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Minnesota Small Business Insurance

As a Minnesota small business owner, you're required to maintain a delicate balance between growing your business and shielding it from a variety of potential risks. There are certain liability obligations you face on an ongoing basis, and preventing a lawsuit, work-related accident, or other legal matter from occurring may not always be a possibility. With small business insurance coverage through AmVenture Insurance Agency Inc., you can have the opportunity to carry on as normal, even if an adverse situation arises.

Insurance Plans for Small Businesses in Minnesota


What are Minnesota's Mandatory Small Business Insurance Requirements?

In the Land of 10,000 Lakes, small business owners have state-mandated insurance requirements. If you have at least one employee, you must carry workers' compensation insurance, which protects your employees if they:

  • Become injured while on-the-job
  • Become ill because of a workplace incident
  • Suffer an accident at work

In Minnesota, workers' compensation insurance helps to cover the costs of medical bills, lost income, and additional expenses that are necessary to diagnose or treat an injured employee.

Additionally, if you use commercial vehicles in your line of work, you're required to carry commercial auto insurance. Regardless of how many vehicles your business owns, this type of insurance coverage is designed to cover identified expenses resulting from a covered auto accident. It may help pay for property damage, medical expenses, and liability claims.

What Other Types of Small Business Insurance Should I Consider?

Although the state of Minnesota doesn't require small business owners to carry other insurance policies, there are multiple ways you could benefit from having additional coverage. Your insurance needs will greatly depend on how you run your business. Here are some practical questions to ask yourself:

1. Do you conduct business online? If you accept credit cards, keep track of inventory through an online platform, or use the web for any other reason, you should consider purchasing cyber liability insurance. This type of policy can help to protect your business from certain expenses if you become hacked or if customer information becomes breached.

2. Is your business currently in operation? Before your first day in business, it's a good idea to have general liability insurance. With this type of coverage, your business could be covered for claims involving personal injury, bodily injury, and more.

3. Does your business own property? If so, it's a wise decision to consider purchasing a businessowner's policy, which combines the benefits of property insurance and general liability insurance into one plan. This type of policy can help you handle the costs of repairing your building if it becomes damaged by inclement weather or fire, and it is designed to help you replace your business resources if they become damaged, stolen, or vandalized.

How Can I Purchase Small Business Insurance in Minnesota?

You've worked hard to start your small business, and you need an insurance company that understands the uncertainties you face every day. With small business insurance coverage through AmVenture, you can have the combined benefits of securing tailored coverage at the competitive rates you deserve. Contact us at your earliest convenience for a free quote.

The Business Climate in Minnesota

Construction businesses, professional services, wholesale trading companies, and other small businesses have made this state their home. According to the Small Business Administration, close to 5,000 establishments started up in Minnesota in 2014, generating over 20,000 new jobs. And, the state's economy grew at an annual rate of 2.9% in the third quarter of 2015, which was faster than the nation's overall growth rate of 1.9%.


About AmVenture

  • “A-” (Excellent) by A.M. Best Company

    Our affiliated insurance carriers are rated “A-” (Excellent) by A.M. Best Company, a widely recognized provider of ratings, financial data & news with an exclusive insurance industry focus.

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  • 24/7 online claim filing

    Our affiliated carriers provide 24/7 online claim filing so you don’t lose valuable time between claim and resolution.

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  • Workers’ compensation

    We specialize in workers’ compensation for small- to mid-sized “Main Street” businesses, supported by an experienced and dedicated staff.

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  • Superior service

    Our goal is to provide a competitive premium cost while delivering superior service that allows you – as a small business owner – the security of knowing your business is protected.

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