Commercial Insurance

Business Insurance
for Small Companies

BOP, general liability, commercial auto, and workers' comp across 11 states. We work with your SIC code to cover your specific industry — not a generic template.

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No obligation · Same-day follow-up · 11 states

What’s Covered

Commercial coverage for small businesses — explained plainly.

Business Owner Policy (BOP)

General liability + commercial property bundled into one policy. The most cost-effective starting point for most small businesses.

General Liability

Covers third-party bodily injury, property damage, and advertising injury claims. Required by most commercial leases and contracts.

Commercial Auto

Vehicles used for business need commercial coverage. Personal auto won't cover business-use claims — period.

Workers' Compensation

Required in MN for any business with employees. Covers medical bills and lost wages for on-the-job injuries. Protects you from personal liability.

Professional Liability (E&O)

Covers claims of negligence, errors, or omissions in professional services. Essential for consultants, accountants, designers, and service providers.

Industry-Specific Coverage

Restaurants, contractors, retail, landscaping, medical, and more — we work with your SIC code to make sure nothing falls through the cracks.

Get Your Quote

A licensed agent will call
within 60 seconds.

Commercial underwriting varies by industry. We'll ask the right questions on the first call to get you accurate coverage at the right price.

Industry-specific coverage across 84 SIC codes
American Family Insurance — A.M. Best A (Excellent)
BOP, GL, commercial auto, workers' comp
Licensed in MN, IL, OH, WI, AZ, IA + 5 more

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Frequently Asked Questions

Commercial insurance — answered by a licensed agent.

What commercial insurance does a small business need?
Most small businesses need at minimum: general liability (slip-and-fall, property damage claims) and commercial property. A Business Owner Policy (BOP) bundles both at a discount. If you have employees, workers' comp is typically required by state law.
What is a Business Owner Policy (BOP)?
A BOP combines general liability and commercial property insurance into one policy at a reduced rate. It's designed for small-to-mid-size businesses and is often the most cost-effective starting point for coverage.
Does my personal auto policy cover business use?
No. If you use a vehicle for business purposes — deliveries, client visits, hauling equipment — you need commercial auto coverage. Personal auto policies explicitly exclude business use and will deny claims.
Is workers' compensation required in Minnesota?
Yes. Minnesota requires workers' compensation for any business with one or more employees. Penalties for non-compliance include fines and personal liability for injured worker claims.
Do you cover businesses in multiple states?
Yes — we're licensed in MN, IL, OH, WI, AZ, IA, KS, MO, ND, NE, and SD. If your business operates across state lines, we can often cover it under a single policy.
How fast can I get a commercial insurance quote?
A licensed agent will call within 60 seconds of form submission during business hours. Complex commercial risks may require more detailed underwriting — we'll set clear expectations on the first call.

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