Business Insurance — Minnesota

Commercial coverage for every Minnesota business.

From general liability and workers comp to cyber, EPLI, and surety bonds — we build commercial insurance programs that protect your business, your employees, and your assets. Independent agency. 50+ carriers. Local agents who know business.

Get a Free Quote Browse by Industry

50+

Insurance Carriers

36

Industries Served

15

Years in Business

12

States Licensed

Commercial Coverage

Every business insurance product we offer

Select any product below to learn what it covers and get a quote. Not sure what you need? Call us at (952) 392-9508 and we will walk through it with you.

📋 Core Business Coverage

General Liability

Bodily injury and property damage coverage — the foundation of every commercial program.

Business Owners Policy (BOP)

GL and property bundled in one policy — the most efficient starting point for most small businesses.

Commercial Property

Your building, equipment, inventory, and business personal property.

Commercial Auto

Liability and physical damage for vehicles owned and operated by your business.

Commercial Umbrella

Excess liability above your GL, commercial auto, and employers liability limits.

Workers Compensation

Wage replacement and medical coverage for employees injured on the job.

👥 Specialty Business Coverage

Cyber Insurance

Data breach, ransomware, business interruption, and regulatory fines from cyber incidents.

Employment practices liability for discrimination, harassment, wrongful termination, and retaliation claims.

Directors & Officers (D&O)

Personal liability protection for directors, officers, and board members.

Professional Liability (E&O)

Claims arising from professional services, advice, or errors in your work product.

Physical damage to customers' vehicles while in your care, custody, or control.

License bonds, contract bonds, court bonds, and other required guarantees.

Agricultural operations — dwelling, buildings, equipment, livestock, and liability.

Commercial Crime Insurance

Employee theft, fraud, forgery, and computer crime coverage.

Special Event Insurance

One-time event liability for weddings, festivals, and corporate events.

Industries We Serve

Industry-specific coverage for Minnesota businesses

We have built dedicated coverage pages for 36 Minnesota industries. Browse all industries →

Commercial Real Estate

Commercial Trucking

Auto Repair & Dealer

Veterinary Clinic

Apartment Building

See All 36 Industries →

Our Commercial Team

Agents who specialize in commercial lines.

Our commercial agents bring deep product knowledge and industry experience. Whether you need a simple BOP or a complex program with multiple specialty lines, we build coverage that fits.

Dane Roti

Dane Roti

Commercial lines, GL, BOP, commercial auto, commercial property, commercial umbrella, EPLI, garage keepers, farm

Carolyn Todd

Carolyn Todd

Workers comp, professional liability, D&O, surety bonds

Janel Morris

Janel Morris

Personal lines with commercial crossover: farm families, financial advisors, physicians

Tippy Sourignavong

Tippy Sourignavong

Personal lines & small business owners

Erik Roti

Erik Roti

Personal lines & small business owners

Why Independent

Why independent matters for commercial insurance

🔎

We shop 50+ carriers

Commercial insurance rates and appetite vary dramatically by carrier. We find the carrier that wants your business at the best price.

⚖️

We build programs, not policies

Most businesses need more than one policy. We coordinate your full commercial program so coverages work together and gaps are addressed.

🔨

We handle claims

When something goes wrong, we are your advocate — not the insurance company's. We help you navigate the claims process and get the right outcome.

Get Your Quote

Build the right commercial program for your business.

From a single BOP to a full commercial program with specialty lines — we find coverage that fits your risk and your budget.

All commercial lines in one conversation
50+ carriers compared
Bundling and multi-policy discounts applied
Industry-specific programs available
Annual review as your business grows

Start your free quote

Fill out the form and an agent will be in touch within one business day.

Last updated: April 9, 2026