Business Insurance

Insurance protection for your company.

Small business is the largest sector in the U.S. economy. Variant Insurance Group can help you protect your small business with a business insurance policy. As a small business ourselves, we understand the sacrifices you’ve made to run it. With a business policy from Variant Insurance Group you’re free to focus on what matters: growing your small business.

Business Owners Insurance

Business owners insurance offers complete coverage for your small to medium sized business and is best suited for companies with less than 100 employees and/or less than $5 million in revenue. BOP insurance, combines several types of insurance together into one cost-savings package. With completely customizable coverage options, we can fit the package to your specific needs.

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Commercial Auto Insurance

Whether you’re shopping for commercial auto insurance, truck insurance want to know more about the commercial options that are available, you’ve come to the right place. Variant Insurance Group has been a commercial auto agent for years and has the experience you can depend on to save you time and money. We also represent companies to ensure you get back on the road timely so your business isn’t held up in the unfortunate event of a claim.

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Professional Liability Insurance

Owning a business in Minnesota is a great accomplishment. There are many situations that can be a great source of pride for a business owner: first employee, hitting a major sales goal, getting awards from the community, the list could go on. However, a situation could arise where you could be sued for negligence, personal injury or copyright infringement to name a few. These situations have the potential to be a huge financial drain on your business funds. Having Professional Liability Insurance can help protect your business assets and give you some piece of mind.

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Commercial Property Insurance

If your business owns any commercial real estate or other business-use property, it is imperative that you have commercial property insurance. Commercial property insurance provides coverage for buildings, inventory, equipment, tools, and more. Covered losses range from fires to vandalism or natural disasters.

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Commercial Umbrella Insurance

Umbrella liability insurance for your business will protect you when a covered claim occurs and your existing liability policy cannot cover all the expenses. The standard business liability policy is typically adequate for most situations, but umbrella liability will help ensure that your business is protected for large losses. Owning a business is risky, but going without proper insurance is riskier. No one wants to be sued, but because accidents occur, sometimes lawsuits are unavoidable.

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Lessor Risk Insurance

A Lessor Risk Insurance policy can protect you from being financially responsible for any of your tenants property loss (including theft and vandalism) while their property is stored on the premises. This coverage will also protect you from a lawsuit that arises from personal injury of an employee, the lessor themselves, or any of their customers while on the property.

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EPLI Insurance

Being an employer carries a multitude of risks and responsibilities. Even if you don’t hire someone and only interview them, you could be held liable for discrimination. EPLI coverage options are available for small to large businesses The cost of this type of policy varies depending on several factors, including how many employees you have.

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Liquor Liability Insurance

If you own or operate a venue that serves liquor, beer, wine or other alcoholic beverages, you must carry a liquor liability insurance policy in Minnesota. Serving alcohol carries a tremendous amount of risk and not only while your patrons are at your facility, but you could also be liable after they leave your facility.

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General Liability Insurance

General Liability Insurance is also known as commercial liability insurance and covers general liability of the business. It is a broad coverage. It is a good practice that every business has a general liability insurance policy in place. 

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Errors & Omissions Insurance

Errors and Omissions coverage insures not only your mistakes, but also the mistakes of the employees and independent contractors you hire and might save you from extreme embarrassment, a lost client, or worst of all, a bad reputation.

Contact us today for more information on Errors and Omissions coverage in Minnesota.

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Workers Compensation

Workers compensation coverage in Minnesota pays for medical care and physical therapy for employees that are injured as a result of working for your business. This coverage also pays for lost wages while the employee is unable to work. This coverage can protect your business from a lawsuit.

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