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Business Insurance

Get help finding quality business insurance

Get business insurance quotes fast and free from up to 15 insurance companies. We comparison shop to help you find great coverage, personalized to your needs, without overpaying. And if your needs change in the future, we can help you find a new insurance company that better aligns with your changing operations. Request quotes or contact us to get started.

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What is business insurance?

Business insurance (or commercial insurance) is made up of a variety of different types of coverage. Each business may require a unique combination of policies to cover their risk exposure. A restaurant, for example, might need liquor liability, general liability, commercial property, and worker’s compensation. A sole proprietor drywall installer, on the other hand, may need only general liability and commercial auto.

Most commercial insurance is voluntary but some may be required by law or contract. If you have employees, most states (including Minnesota) require you to carry worker’s compensation coverage. If you have a loan on any property, your lender will likely require proof of insurance to protect their financial interest.

There are many coverage options available, some designed for specific industries. It’s important to work with an experienced professional when deciding on your commercial insurance coverage.

If you’d like to learn more about the basics of business insurance, contact us, or check out info from the Insurance Information Institute.

How to find great business insurance rates

1. Figure out what coverage you need

It’s important to know what you’re looking for before getting quotes. Some companies will undercut price by removing valuable coverage. If you aren’t sure what coverage you need, we’ll help you out!

2. Get quotes from a bunch of insurance companies

Insurance companies target different customers based on a variety of factors, including industry, experience, location, and much more. It’s difficult to know which companies will offer the best rates, so you just need to get quotes from a lot of them. Fortunately, we take care of the comparison shopping for you!

Business Insurance Coverage

There are many coverage options available. Some are required by law, while others are voluntary. Below are some common coverage types but this is not an exhaustive list. Upon learning more about your business, we can suggest coverages that might be a good fit.

Commercial auto

Covers auto liability, physical damage, and more for you or employees while driving for business.

General liability

Covers bodily injury, advertising injury, product liability, completed operations, and much more.

Commercial property

Covers your building, office furniture, inventory, signs, and other business property.

Commercial umbrella

Covers liability claims that exceed the limits of your other policies, like general liability or commercial auto.

Worker’s compensation

Covers medical expenses and lost wages for employees that are hurt or made sick on the job.

Professional liability

Covers claims of negligence, error, oversight, copyright issues, and more.

Liquor liability

Covers claims arising from the sale, serving, or distribution of alcohol.

Cyber liability

Covers liability and costs that result from a data breach or other cyber security incident.

Insurance Companies

We strive to work with highly rated insurance companies in order to provide our clients with quality coverage at a great price. Below is a partial list of companies we offer. We are constantly exploring new partnerships and adding additional options, so check back often to see our updated list of carrier partners.

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