MN Business Owners Insurance

Businesses can bundle property and liability coverage into a Business Owners
Insurance Policy that allows your business to obtain broad coverage with
affordable premiums. Business Owners Insurance is usually the first step for
small businesses looking to get basic property and liability coverage and is a
comprehensive and affordable insurance package for small or medium sized
businesses.

To qualify for Business Owners Insurance Policies, a company should have
100 or fewer employees, and annual revenues should be less than $1 million.
Business Owners Insurance will typically provide reimbursement for up to a
year of lost revenue resulting from an insured property loss.

Some businesses may find Business Owners Insurance coverage limits to
be too low or may not like the lack of flexibility on options like coinsurance.
However, what the Business Owners Insurance Policy lacks in flexibility it
usually makes up for with lower premiums for your business.

Business Owners Insurance offers named perils or all risk insurance
coverage, similiar to general property insurance coverages. Enhancement
endorsements are available at little or no cost to extend coverage to your
accounts receivable, valuable papers, signs, employee dishonesty,
mechanical breakdown, computers including software, money and securities,
off premises power failure and spoilage of food products, backup of sewers
and drains.

While similiar to Commercial General Liability Insurance, the liability part
of a Business Owners Insurance Policy offers less flexibility in
determining your coverage limits for particular claims. Optional limits of
$300,000, $500,000 or $1,000,000 are available. Personal injury, products
liability, fire legal liability and premises medical payments are included.
Also, Business Owners Insurance does not include professional liability
insurance.

Business Interruption Insurance is usually included in Business Owners
Insurance Policies and covers lost income and expenses incurred when a
company suffers disaster related damage. Ongoing operating expenses that
continue even if business is suspended, such as payroll, are also covered.

Click on the link below to fill out a quote request form for Minnesota
Business Owners Insurance that regardless of whether you're a large
employer or a small business, will provide exceptional insurance coverage
for your business at an affordable cost. Or you can speak with one of our
Minnesota Commercial Insurance specialists toll free at 1-877-730-4678 or
locally at (651) 730-6666 to discuss the features.

We are a local St. Paul, MN insurance agency, offering experienced
Minnesota Business Owners Insurance services to businesses in the
following Twin Cities area towns and counties: Minneapolis, Bloomington,
Roseville, Maplewood, North St. Paul, Oakdale, Woodbury, Cottage Grove,
South St. Paul, Inver Grove Heights, Eagan, West St. Paul, Richfield,
Burnsville, Edina, Lilydale, Mendota Heights, St. Paul Park, Lake Elmo,
Newport, Cedar Grove, Savage, Shakopee, Eden Prairie, Minnetonka,
Hopkins, St. Louis Park, Plymouth, Golden Valley, Columbia Heights, New
Hope, Crystal, Robbinsdale, Brooklyn Center, Fridley, New Brighton,
Maple Grove, St. Anthony, Arfen Hills, Shoreview, Vadnais Heights, Little
Canada, White Bear Lake, Mahtomedi, Grant, Bellaire, North Oaks, Gem
Lake, Mounds View, Lino Lakes, Blaine, Coon Rapids, Spring Lake Park,
Lexington, Afton, Lakeland, Bayport, Stillwater, Apple Valley, Andover, St.
Cloud, Mankato, Rochester, Duluth, Anoka, Champlin, Andover, Oak
Grove, St. Michael, Hanover, Scandia, Forest Lake, Wyoming, Rosemount,
Hastings, Vermillon, Coates, Ramsey County, Hennepin County, Dakota
County, Anoka County, and Washington County, MN. We also offer
business insurance services in the remainder of Minnesota and throughout
Wisconsin.