Minnesota Business Insurance

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Minnesota Small Business Insurance

Do you have a small business in Minnesota? If so, we currently offer a range of small business insurance coverage, which includes professional liability insurance and general liability insurance.

We offer Minnesota business insurance across the state. Hiscox small business insurance products include:

General Liability Insurance for Minnesota

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily injury: An interior designer invites a prospective client to their home office to review color and fabric samples. The client trips on the steps and breaks their arm. The designer has a general liability insurance policy which could cover the costs of the client's injuries.
  • Property damage/data Loss: An IT consultant is installing a new network at a client's office. While transferring the data from the old server to the new one, several important files are corrupted. The client sues the consultant for the financial implications of the lost data. A general liability policy could cover these costs, protecting the IT consultant.
  • Discrimination: A company retained a human resources consultant to oversee the hiring of a large number of seasonal employees. A number of applicants claimed they were being directed toward lower paying positions because they were women. They filed suit against both the hiring company and the consultant. General liability insurance protects HR consultants against claims of negligence and will appoint an attorney to defend them, even if they haven't made a mistake.

Learn more about general liability insurance costs.

Professional Liability Insurance for Minnesota

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Dissatisfied client: An insurance company recommended a claims adjuster to provide an estimate for a burglary in an office building. The adjuster provided an estimate that was much higher than the insurance company anticipated, and the insurance company suspected that the adjuster did not properly ascertain that all of the property claimed to have been stolen had actually been in the building at the time of the burglary. The insurance company sued the adjuster. Professional liability insurance protects claims adjustors against claims of negligence and will appoint an attorney to defend them, if needed, even if they haven't made a mistake.
  • Negligence: A financial advisor hires a temporary worker to help out during tax season. The temp incorrectly credits an IRA contribution for the previous tax year, which causes a client to have to pay additional tax and a penalty. The client sues the advisor to recover the penalty, but the advisor is protected by a professional liability insurance policy.

Learn more about professional liability insurance.

Business Owners Policy for Minnesota

Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

  • A graphic designer’s home office is damaged by fire. The damage to a high end computer caused by the fire is not covered by their homeowner’s insurance, but it is covered by their business owner’s policy, which replaces the computer and lets the designer get back to business.
  • A computer programmer spills his coffee on a high end computer system causing irreparable damage. A business owner’s policy could cover the cost to replace the system, letting the programmer get back to work.

Learn more about business owners insurance.

Example professions we insure in Minnesota:

    Why choose Hiscox for your business in MN:

    • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
    • Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
    • Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
    • Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
    • Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
    • Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.


    Get a fast, free quote now and get that Hiscox confidence behind your Minnesota business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

    Quote online or call a licensed insurance agent


    Hiscox Customer Reviews

    Hiscox rated 4.8/5
    Rated 4.8/5

    5 Stars

    Dan, St Paul, MN

    “Very helpful and friendly service. Answered all of my questions. I would recommend their services”


    5 Stars

    Donald, Minnesota

    "A very good experience that I recommend to others. It was a very good experience. I was a little confused on how / when I was going to get my necessary paperwork after purchasing but it worked out rather quickly."


    5 Stars

    Shueb, Minnesota

    “Great insurance. Nice and easy to use.”


    4 Stars

    Tamera, Minneapolis, MN

    "I believe that people always remember how someone or something made them feel and you made me feel important. I was truly impressed with the professionalism, quick responses, and honorable treatment as an up and coming business."


    5 Stars

    Paul Eagan, Minnesota

    "Quick and easy to get insurance quotes and setup the insurance"

    It was very quick and straightforward to get a quote through the website on professional liability insurance policy require by my prospective client and to accept that quote to setup the insurance when i booked the contract with the client.

    See More Reviews

    Our insurance products have been fully approved by the Minnesota Department of Insurance and are underwritten by Hiscox Insurance Company Inc., a Chicago, Illinois, insurance company.

    This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states.

    Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 5 Concourse Parkway, 21st Floor, Atlanta, GA 30328.