Commercial Insurance in Minnesota
Business insurance for Minnesota companies, and for businesses in Wisconsin, Texas, Arkansas, North Carolina and Florida.
Contractors, restaurants and coffee shops, retail stores, offices and landlords all face different risks. City Insurance and Financial Services is an independent agency in Minnetonka: we compare policies from several insurance companies and build coverage around what your business actually does.
What Minnesota Requires
Most business insurance is a smart choice rather than a legal one. A few policies are required:
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Workers' compensation. Minnesota employers must carry workers' comp or be approved to self-insure, and part-time employees count (Minnesota Statutes § 176.181).
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Auto insurance on business vehicles. Every vehicle that must be registered in Minnesota, or is mainly garaged here, must carry no-fault auto insurance, including work trucks and vans (§ 65B.48).
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Liability for licensed residential contractors. Minnesota requires licensed residential contractors to carry general liability insurance with set minimums (§ 326B.86).
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Liquor liability if you sell alcohol under a retail liquor license (§ 340A.409).
Beyond the law, contracts and leases usually require coverage too: landlords ask tenants for general liability, and general contractors ask subcontractors for certificates with specific limits. See COI requirements for Minnesota subcontractors.
The Policies Most Businesses Need
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General liability: injuries to customers and damage to other people's property.
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Business owner's policy (BOP): general liability and property in one package for small businesses. Compare: BOP vs general liability + property.
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Workers' compensation: medical bills and lost wages when an employee is hurt on the job.
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Commercial auto: vehicles your business owns, plus hired and non-owned coverage for employees' cars.
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Commercial property, umbrella and professional liability where your business needs them.
Business Insurance Outside Minnesota
City Insurance is licensed in Minnesota, Wisconsin, Texas, Arkansas, North Carolina and Florida. Each state sets its own rules for workers' compensation and commercial auto, so we check the requirements for every state you work in before we quote.
Industries We Work With
We build coverage around what each kind of business actually does:
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Contractors & subcontractors: general liability, workers' comp, commercial auto and certificates that meet your contracts.
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Landlords & rental property: dwelling and commercial property, liability and umbrella. See landlord insurance.
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Restaurants, cafés & food service: property, liability, liquor liability and equipment breakdown. See coffee shop insurance.
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Retail shops: property, inventory, liability and business income.
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Offices & professional services: BOP, professional liability and cyber.
Commercial Insurance Questions
Workers' compensation if you have employees, no-fault auto insurance on business vehicles, general liability for licensed residential contractors, and liquor liability for retail liquor licensees. Leases and contracts often require more.
Yes. Minnesota employers must carry workers' compensation or be approved to self-insure, and part-time employees count (Minnesota Statutes § 176.181).
Claims that your business injured someone or damaged their property, for example a customer who slips in your store, plus the legal defense.
Often, yes. A business owner's policy combines general liability and property, usually for less than buying them separately. Not every business qualifies, so we compare both.
Yes. City Insurance is licensed in Minnesota, Wisconsin, Texas, Arkansas, North Carolina and Florida.
Ready to Protect Your Business?
We don't work for one insurance company. We compare several, explain what each policy covers, and stay with you at renewal and at claim time.
Call us today at (763) 582-1888
Or fill out the quick quote form below to get started.