Minnesota Business Insurance
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Get Minnesota Business Insurance
biBERK is trusted by many companies for Minnesota business insurance. We offer flexible policies to protect you from the many types of risk Minnesota companies face.
Minnesota 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. We offer tailored workers’ comp in Minnesota to suit your business.
Workers' Compensationchevron_rightMinnesota General Liability insurance
Also known as commercial liability insurance, a general liability policy is a vital type of business insurance in Minnesota. It covers damages and legal costs associated with injury claims by customers and other people you don't employ (like from slip-and-fall accidents at your location), 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. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightMinnesota Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) 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 after suffering property damage, such as the use of a temporary location. For instance, if your building is damaged by a severe storm, related expenses may be covered. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightMinnesota Cyber insurance
This type of business insurance in Minnesota can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Cyber Insurancechevron_rightMinnesota Umbrella insurance
Every Minnesota small business 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, as it can cover costs that exceed the limit of another biBERK liability 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.
Umbrella Insurancechevron_rightWe Cover all Kinds of Professionals and Businesses in Minnesota, Including:
- Architecture and engineering firms
- Banks and trusts
- Barber shops and beauty parlors
- Building electrician services
- Bus companies
- Carpentry services
- Concrete driveway installers
- Electrical manufacturers
- Entertainment center installers
- Floor and carpet installers
- Garbage collection services
- Group home operations
- Gym/fitness centers
- Harvesting services
- Home health care services
- Hotels
- Indoor ceramic tile, stone, and marble installers
- Iron and steel frame construction companies
- Laundry services
- Law firms
- Nursing homes
- Office clerical services
- Paint shop operations
- Park operations
- Photographers
- Photography services
- Physicians/medical offices
- Plastering services
- Plumbing services
- Poultry and egg producers
- Residential cleaning services
- Residential domestic workers
- Restaurants
- Retail stores
- Sales and collection services
- Social services
- Telecommunications companies
- Trucking companies
Why biBERK for Business Insurance in Minnesota?
We’re the experts when it comes to Minnesota small business insurance.
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.
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.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBERK Better for Small Business?
We’re often less expensive and easier to do business with than other Minnesota 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. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.
Minnesota Business Insurance Wherever You Are!
Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:
- Business insurance in Minneapolis-St.Paul, MN
- Business insurance in Rochester, MN
- Business insurance in Grand Rapids, MN
- Business insurance in St. Cloud, MN
- Business insurance in Duluth, MN
- Or anywhere in Minnesota!
What Minnesota Business Insurance is Required?
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 required to have workers’ comp coverage and are operating without it.
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, for example. 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. Financially protecting your company is one of the smartest business decisions you can make.
What is the Cost of Minnesota Business and Liability Insurance?
The cost of small business insurance in Minnesota depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.
Determine your cost for Minnesota business and liability insurance with instant online quotes.
Minnesota Small Business Insurance in Three Simple Steps
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.
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.
Get a Certificate
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a Quote Today
Trust biBERK for Minnesota business insurance and save up to 20%.