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Starting a business in Minnesota opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Minnesota business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy Minnesota requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
General Liability insurance protects your business from claims involving bodily injuries and property damage. It will help cover the medical expenses and legal fees that result in the incident which causes your business to be legally responsible.
Commercial Property insurance protects your business property from fire, theft and natural disasters. Whether you own or lease a building, or work from home, this insurance is a must.
Workers' Compensation is an insurance that provides cash benefits or medical care for workers that are injured or become ill on the job. It's mandatory in Minnesota and a highly recommended insurance for your business.
The Commercial Auto insurance repairs physical damage to the vehicle that your employees drive for business or is damaged by weather conditions, collisions, or theft. It can also cover the lawsuits associated with the accidents, like medical expenses and legal fees.
Health Insurance will give your employees access to medical and surgical treatment. It provides protection not only to the employees but the families against uncertainties of life.
If you handle costumers' vehicles, like an automobile dealership or a repair shop, you'll need a liability insurance that a standard commercial liability does not cover. The Garage Liability insurance covers property damage and bodily injury resulting from operations inside the garage.
Each situation is unique, but as a general guideline, the type of MN business you operate determines how much insurance you need. A good rule of thumb would be between $500,000 to $1 million.
Minnesota requires that you need to have Workers' Compensation even if you employ part-time employees.
Every business has specific insurance needs but in general, a Commercial Property or a General Liability insurance should be a priority.
Every business is unique, so the insurance varies differently. Depending on the business, the services you offer and the safety policies, the insurance premiums can vary.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: