Business Insurance
Minnesota Business Insurance
Since 1998, Van Curler Insurance Group has been helping Minnesota residents find quality business insurance and reasonable premiums. We’re an independent agency, so we can retrieve quotes from over a dozen highly rated insurance companies, and if you need to make a change in the future, you can switch insurance companies but keep us as your agent. If you have any questions, contact us.
Business Insurance Coverage
- Commercial auto Covers auto liability, uninsured/underinsured, personal injury protection, and a variety of optional coverages for business vehicles and employees.
- Commercial property Covers damage to your commercial building(s), signs, office furniture, inventory, and other business property.
- Commercial umbrella Covers liability claims in excess of the limits of your underlying policies, such as general liability.
- General liability Covers a variety of risks for which your business might be liable, such as bodily injury sustained by a customer, damage caused to a customer’s property, product liability, and more.
- Professional liability Also known as errors & omissions insurance, it covers claims of negligence, omission, or failure to deliver a service by professionals.
- Worker’s compensation Covers medical expenses and lost wages for employees that are hurt or made sick in the course of their work.
- Cyber liability Covers certain costs associated with a data breach, such as notifying customers, recovering data, and more.
Continue your research with small business insurance basics provided by the Insurance Information Institute.
Common Business Insurance Questions
The coverage you need depends on the size, scope, and operations of your business. Every business should have general liability coverage to protect from a variety of risk exposures common to all industries. If you have employees, you are required by MN law to carry worker’s compensation coverage. Whether you need commercial property, commercial auto, or any other policy types depends on whether the scope of your business extends to the risks those policies cover. For example, you’d only need commercial auto coverage if your business involves driving or owns vehicles.
Most insurance companies have a specified appetite for commercial insurance risks, meaning they’ll only place coverage for certain industries and businesses that meet other underwriting conditions. This can make it difficult to get quotes on your own. Luckily, an independent insurance agent can help by retrieving quotes from multiple companies that want your business.
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