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Commercial Insurance

Small Business Insurance

This type of insurance is intended to serve the insurance needs of a small commercial business rather than
the needs of an individual
or a large company.

For a free small business insurance quote
please select the link below
Free Small Business Insurance Quote

Small Business Insurance is not only going to be important to you, but it will be important to your other business relationships.

For instance, if you choose to lease office space, the landlord will typically require that you show a certificate of insurance, or be listed as an additional insured on your insurance policy. By insuring your
small business, this will confirm to your landlord that your business will not disappear overnight in the event a loss occurs.

When purchasing small business insurance in Minnesota, there are many types of business insurance coverages to choose from. Always be sure to work with a small business insurance professional to get the help and service your small business deserves.

Below are the definitions of the two most common types of small business insurance policies.

Business Owner's Policy (BOP)

A business owner insurance policy that combines property, liability and business interruption coverage’s for small- to medium-sized businesses. Coverage is generally cheaper than if purchased through separate insurance policies.

Commercial Package Policy (CPP)

This is a commercial lines policy that contains two or more lines of insurance or two or more coverage parts. It will include some forms and/or endorsements that are common to all lines of insurance or coverage parts, as well as the individual forms and endorsements required for the individual coverage’s selected. In order to qualify as a CPP, the policy must include two or more of these coverage parts: Commercial General Liability, Commercial Property, Commercial Crime, Commercial Inland Marine, Boiler and Machinery, or Commercial Auto.

For a Free Small Business Insurance Quote
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Minnesota Small Business Insurance Quote

Here are some of the risks that should be protected by your small business insurance policy.

The blue headers are links to more information about that particular type of insurance:

Small Business Personal Property (BPP)
Traditionally known as "contents," this term actually refers to furniture, fixtures, equipment, machinery, merchandise, materials, tables, desks, chairs, equipment, and all other personal property owned by the insured and used in the insured's business.

Small Business Liability Insurance
Business liability insurance covers all liability exposures of a small business.

Small Business Income Insurance
This type of small business insurance is coverage that reimburses a business owner for lost profits and continuing fixed expenses during a covered loss.

Small Business Auto Insurance
There are various types of commercial business auto insurance policies. Some include business use of autos, vans, trucks, pick ups, rented and non owned vehicles.

Small Business Workers Compensation
Insurance that pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work.

Small Business Health Insurance
A group health insurance plan (also known as a business health insurance plan) will help spread the financial risk throughout your small business, rather than on each individual. This will lower your health insurance premiums and help you obtain more health coverage for your employees.

Small Business Interruption Insurance
This type of small business insurance is also known as business income insurance, covers the loss of profits and expenses during the time that a business is closed.

Small Business Umbrella Insurance
Coverage for losses above the limit of an underlying policy or policies, terms of coverage are sometimes broader than those of underlying policies.

Take the time to get a free small business insurance quote online now. Have the best small business insurance companies, with the best small business insurance rates, provide your small business with an insurance plan to fit your exact needs.

Get the best small business insurance prices.
Compare Quotes and speak to the experts in
small business insurance.

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Free Small Business Insurance Quote

Ramsey County Insurance offers Small Business Insurance in the following Minnesota towns: Arden Hills MN, Dellwood MN, Falcon Heights MN, Gem Lake MN, Lauderdale MN, Lino Lakes MN, Little Canada MN, Maplewood MN, Mounds View MN, New Brighton MN, North Oaks MN, North St. Paul MN, Roseville MN, Shoreview MN, St. Paul MN, Vadnais Heights MN, West St. Paul MN, and White Bear MN.

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