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Insurance is one of your largest expenses.  How do you know that it's being managed effectively?  From small businesses to large international corporations, our risk management and consultative programs are designed to move beyond the traditional approach of "just quoting" insurance.  Our trademarked Profit Shield™ risk management approach has two goals; to reduce your Total Cost of Risk and increase your bottom line profit, and to make you more attractive to the insurance marketplace.

Contact one of our Risk Advisors today for your customized Profit Shield™ HR & Risk Assessment, or you can click on the links below to request a quote in your area of interest.

Property Insurance Quote

Property insurance is one of the first types of insurance you should look into for your business.
Property insurance insures against loss or damage to the location of the business and its contents. Property insurance can also insure the property of others in your control when the loss occurs. The property insurance policy covers your costs to replace or repair the property and, in some instances, compensates you for items that cannot be replaced.

General Liability Insurance Quote

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. General liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Business Owners Policy (BOP) Quote

business owner’s policy (BOP) is a distinct type of commercial insurance designed for small and medium-sized businesses. A business owner’s policy (BOP) groups both property and liability insurance.  A business owner's policy (BOP) will protect your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.

Workers' Compensation Insurance Quote

Workers' compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses. Workers' compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. Workers' compensation also provides death benefits to surviving spouses and dependents. Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. 

Umbrella Liability Insurance Quote

Umbrella liability insurance
 refers to coverage that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. Umbrella liability insurance is generally written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage.

Commercial Auto Insurance Quote

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel; liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. Many business people use the same vehicle for both business and pleasure. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects.

Professional Liability Insurance Quote

Professional liability insurance is designed to protect professionals (physicians, accountants, attorneys) against liability arising out of errors and omissions in performing their professional services

Inland Marine Insurance Quote

Inland marine insurance generally covers property that is portable. Many types of property are covered, including those related to construction, communications, transportation and fine arts.

Crime Insurance Quote

Crime insurance is insurance to manage the loss exposures from criminal acts such as robbery, burglary and other forms of theft. Crime insurance is also known as fidelity insurance. Many businesses purchase crime insurance that allows them to file claims for employee theft or other offenses that could cause financial ruin.

Specialty Coverage Available Upon Request

Request a quote for specialty coverage. Specify the desired coverage in the request form and we will contact you for additional details.

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174 Center Street | Winona, MN 55987
O: 507-452-3366 | TF: 800-657-4448
975 34th Avenue, Northwest Suite 302 | Rochester, MN 55901
O: 507-424-4400 | TF: 800-657-4448