Production insurance
Production insurance
- Per-project and annual production policies
- Equipment, third-party property, extra expense
- Certificates for locations and rental houses
- Home
- Business insurance
Business insurance
Business insurance
The standard commercial lines, placed one at a time or as a package, with the exclusions named up front. Most standard businesses can be quoted online in minutes.
Lines of business
Standard commercial lines
- General liabilityCovers injuries and property damage your business causes to others, and satisfies the proof of insurance landlords and clients ask for.
- Commercial propertyCovers your building, equipment, inventory and improvements after fire, theft, storm damage and other covered losses.
- Workers' compensationPays medical care and lost wages for employees injured at work, as Minnesota law requires.
- Commercial autoCovers business-owned vehicles, plus your liability for rented vehicles and employees driving their own cars for work.
- Business owner's policyBundles general liability, property insurance and lost income coverage into one policy for small and mid-size businesses.
- Cyber insuranceCovers the cost of a breach, ransomware, payment fraud and the claims that follow a data incident.
Specialty
Where the standard package stops
A general liability policy does not respond to claims about your content, your advice, or what goes wrong on a production. These three lines do, subject to their terms.
Media liability
Media liability
- Defamation, privacy, copyright and trademark
- Agencies, publishers and post houses
- Defense costs, inside or outside the limit
Professional liability
Professional liability
- Errors and omissions for service firms
- Coverage for claims about earlier work too
- Amounts matched to client contracts
Packages
One policy or several?
Small, low-hazard businesses usually fit a business owner's policy. Larger or unusual operations use a commercial package with each coverage set separately.
Either way the parts are the same: liability for what you do to others, property for what you own, workers' compensation for the people you employ, auto for the vehicles, and cyber for the data. The job is making sure each part is sized to the business and that nothing falls between them.
Already insured elsewhere?
Send the declarations pages. We will tell you what we would change and what we would leave alone. If the answer is "nothing", you will hear that too.
Quote online, or talk it through.
Standard lines take minutes online. If there is a wrinkle, call or email and we will tell you what we need.