Industries We Serve — Minnesota

Industry-specific insurance for Minnesota businesses.

Every industry carries unique risk. We have built dedicated coverage pages for 36 Minnesota industries — each one explaining exactly what you need, what it costs, and how Options Insurance can help.

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All Industries

Find your industry

Each page explains the specific risks your industry faces, the coverages that address them, and what a typical program looks like.

🍳 Food, Beverage & Hospitality

🍳

Restaurant Insurance

Liability, property, liquor liability, and workers comp for restaurants and food service operations.

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🍞

Bakery Insurance

Coverage for commercial baking operations, storefronts, and wholesale bakeries.

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🍸

Liquor Store Insurance

GL, property, and liquor liability for off-sale liquor retailers.

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🏢

Hotel & Motel Insurance

Property, liability, and hospitality-specific coverage for lodging operations.

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🎉

Event Planning Insurance

Liability and property for event planners, venues, and production companies.

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💊 Healthcare & Wellness

💊

Medical Office Insurance

Malpractice, property, and business coverage for physician practices and clinics.

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👁

Optometry Office Insurance

Professional liability and business coverage for optometry practices.

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🐾

Veterinary Clinic Insurance

Malpractice, property, and liability for veterinary practices.

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🐕

Pet Boarding & Daycare

Care, custody, and control coverage for animal care businesses.

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❤️

Chiropractic & Allied Health

Professional liability for chiropractic, physical therapy, and allied health practices.

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🏋

Gym & Fitness Center

Liability and property for fitness clubs, personal trainers, and wellness facilities.

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🔨 Contractors & Trades

🔨

General Contractor

GL, builders risk, commercial auto, and workers comp for GCs and subcontractors.

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🌳

Landscaping

Property damage, completed operations, and auto for landscaping companies.

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🧱

Masonry & Concrete

Specialty contractor coverage for masonry, concrete, and foundation work.

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🎨

Painting Contractor

Liability, workers comp, and auto for commercial and residential painters.

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🚧

Excavation Contractor

Contractor coverage for excavation, grading, and earthmoving operations.

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🏠

Janitorial & Cleaning

Business and liability coverage for commercial cleaning operations.

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🚗 Automotive

🚗

Auto Repair & Dealer

Garage liability, garage keepers, and dealer coverage for automotive businesses.

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💧

Carwash Insurance

Property, liability, and garage keepers for automated and hand car wash operations.

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🚌

Commercial Trucking

Motor carrier liability, cargo, physical damage, and workers comp for trucking operations.

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♻

Refuse & Waste Management

Specialized liability and auto for waste hauling and disposal businesses.

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🏠 Real Estate & Property

🏢

Commercial Real Estate

Property, liability, and loss of rents for commercial property owners.

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🏗️

Condo Association

Master property and liability coverage for condominium associations.

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🏘️

Apartment Building

Dwelling, liability, and loss of rents for multi-family rental properties.

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🔑

Real Estate Office

E&O and business coverage for real estate brokerages.

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📋 Professional Services

📋

Accounting & Tax Firm

E&O and business coverage for CPAs and tax professionals.

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⚖️

Law Firm Insurance

Professional liability and business coverage for attorneys.

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💻

IT & Technology Company

Tech E&O, cyber, and business coverage for technology companies.

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📱

Advertising & Marketing

E&O, media liability, and business coverage for agencies.

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🏫 Education & Community

🏫

School & Educational Services

Liability, property, and specialty coverage for private schools and tutoring centers.

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🧒

Child Daycare Insurance

Liability, abuse and molestation, and property for daycare and childcare centers.

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💙

Nonprofit Insurance

D&O, EPLI, GL, and property for Minnesota nonprofit organizations.

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🧹 Specialty

⚱️

Funeral Home Insurance

Specialized liability and property coverage for funeral homes.

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💈

Beauty Salon & Spa

Liability, professional, and property for salons and spas.

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🛒

Auto & Home Supply Store

Retail liability and property for auto parts and home improvement retailers.

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👔

Dry Cleaning & Laundry

Bailee and property coverage for dry cleaners.

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Commercial Team

Agents who specialize in commercial insurance.

Our commercial agents bring deep industry knowledge. We know what risks your business faces and which carriers write the best programs for your industry.

Dane Roti

Lead commercial agent — GL, BOP, commercial auto, umbrella, cyber, EPLI, garage keepers

Carolyn Todd

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

Janel Morris

Farm families, financial advisors, physicians

Tippy Sourignavong

Real estate agents, small business owners

Erik Roti

Small business owners, medical device

Get Your Quote

Industry-specific coverage. Competitive pricing. Local agents.

Every industry has unique risks. We build programs that address your specific exposures — not just a standard package.

36 industries with dedicated coverage expertise
50+ carriers compared
Programs built for your specific operations
Annual review as your business changes
Claims support from agents who know your industry

Start your free quote

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