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Insurance Policies for Minnesota Small Businesses

Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

chevron_rightWorkers' Compensation
Property & Liability Insurance

Commonly referred to as a business owner's policy (BOP), it combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running, such as the use of a temporary location.

chevron_rightProperty & Liability
Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

chevron_rightProfessional Liability
General Liability Insurance

Also known as commercial liability insurance, a general liability policy is important, because general contractors and landlords often require a policy before they hire you. The policy covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement.

chevron_rightGeneral Liability
Umbrella Insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

chevron_rightUmbrella
Commercial Auto Insurance

If your company owns or leases vehicles, this policy protects the vehicles and drivers from any damage incurred during the course of business. Our commercial auto insurance policies are offered through a Berkshire Hathaway subsidiary.

chevron_rightCommercial Auto
Cyber Insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

chevron_rightCyber

We Cover all Kinds of Professionals in Minnesota, Including:

    • Architectural and engineering firms
    • Banks and trusts
    • Barber shops and beauty parlors
    • Building electrician services
    • Bus companies
    • Carpentry services
    • Concrete driveway repair and installation services
    • Electrical manufacturing
    • Entertainment center installation services
    • Floor and carpet installations
    • Garbage collection services
    • Group home operations
    • Gym/fitness centers
    • Harvesting services
    • Home health care services
    • Hotels Indoor ceramic tile, stone, and marble installation services
    • Iron frame and steel frame construction companies
    • Laundry services
    • Law firms
    • Nursing homes
    • Office clerical services
    • Paint shop operations
    • Park operations
    • Photographers and photography services
    • Physicians/medical offices
    • Plastering services
    • Plumbing services
    • Poultry and egg producers
    • Residential cleaning services
    • Residential domestic workers
    • Restaurants
    • Retail stores
    • Social services
    • Telecommunications
    • Traveling sales and collection services
    • Trucking companies

Why Choose biBERK for Your Minnesota Business?

We’re the experts when it comes to small business.

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Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

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Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.

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Experienced

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with more than 40 years of insurance experience and over 100,000 satisfied customers.

 
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Why is biBERK Better for Small Business?

We’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett, one of the world’s wealthiest businesspeople. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

What do biBERK Customers Say?

out of 5 customer review rating and 100,000+ policies sold.







What Coverage is Required for Minnesota Small Businesses?

Workers’ Compensation

In Minnesota, every business is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business in Minnesota without a workers’ comp policy.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk, including a property and liability policy if you’re located in an area that faces possible hurricane damage. Financially protecting your company is one of the smartest business decisions you can make.

What Does Business Insurance Cost in Minnesota?

The cost of business insurance in Minnesota depends on a number of factors, including industry, number of employees, and the amount of payroll. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

 

Minnesota Small Business Insurance in Three Simple Steps

1. Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.

3. Report a Claim

Submit a claim online or by phone, and we’ll work quickly to pay your covered claims up to your policy’s limit.

2. Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.

1. Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.

2. Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.

3. Report a Claim

Submit a claim online or by phone, and we’ll work quickly to pay your covered claims up to your policy’s limit.

Get a Quote Today

Save up to 20% on Business Insurance in Minnesota.