The top-rated business insurance agent in St Cloud, Minnesota is Dan Anderson - State Farm Insurance Agent, rated 5.0 stars across 617 reviews. Other highly rated options include Ken Bellicot - State Farm Insurance Agent, The Lyle Group: Allstate Insurance, Hess Partners Insurance Agency. This directory lists 18 business insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dan Anderson - State Farm Insurance Agent | 300 23rd Ave N | (320) 253-4656 |
| 2 | Ken Bellicot - State Farm Insurance Agent | 2904 Roosevelt Rd #2 | (320) 251-4686 |
| 3 | The Lyle Group: Allstate Insurance | 30 15th Ave S | (320) 253-4994 |
| 4 | Hess Partners Insurance Agency | 31 33rd Ave N | (320) 255-0417 |
| 5 | Michael Brower Agency, Inc. American Family Insurance | 1727 W St Germain St | (320) 252-5151 |
| 6 | Advantage 1 Insurance | 3801 3rd St N | (320) 252-6650 |
| 7 | Farmers Insurance - Jed Simi | 4180 Thielman Ln Suite 108 | (320) 255-9837 |
| 8 | Rock City Insurance | 14 7th Ave N | (320) 259-4003 |
| 9 | Moe Janssen Schee Agency: Allstate Insurance | 3717 3rd St N | (320) 251-1383 |
| 10 | Auto-Owners Insurance St. Cloud Claims | 3601 18th St S | (320) 251-1451 |
Dan Anderson – State Farm Insurance Agent serves the St. Cloud, Minnesota, area as a business insurance agent. The firm helps local business owners assess their commercial risks and select appropriate coverage to protect their operations. Common services include tailoring policies for small and mid-sized companies, offering guidance on general liability, and addressing property protection needs. The agency also assists clients with commercial auto insurance for company vehicles and workers’ compensation coverage to support local employees.
Ken Bellicot - State Farm Insurance Agent in St Cloud, MN, provides a range of business insurance offerings designed to protect local operations. Service plans include routine policy reviews to adjust coverage as a business evolves, alongside claims assistance to help manage unexpected losses. Annual assessments ensure insurance limits remain adequate for changing assets and liabilities. These maintenance plans aim to keep coverage consistent with current revenue and staffing levels. The agency services single-family homes, apartments, retail establishments, and restaurants throughout the area.
The Lyle Group: Allstate Insurance serves the St Cloud, Minnesota area as a Business Insurance Agent. It assists local business owners with securing essential coverage to protect their operations, property, and liability. The agency helps clients understand policy options tailored to the unique risks of commerce in Central Minnesota. From analyzing a company’s specific exposures to recommending suitable plans, the firm works to ensure adequate protection. It handles general liability policies for small enterprises and workers’ compensation coverage for employers in the region.
Based in St. Cloud, MN, Hess Partners Insurance Agency serves the wider central Minnesota area and handles commercial insurance for local businesses of all sizes. The agency carefully reviews each client's operations to identify the unique liability and property risks they face. From general liability and workers’ compensation to commercial property packages, it works to create a balanced protection plan. It manages each job by thoroughly comparing coverage options from multiple carriers to recommend a policy that fits the specific business needs and operational budget of the client.
When a St. Cloud winter brings ice dams or a sudden hailstorm damages commercial property, business owners need prompt guidance on their coverage. As a local business insurance agent, Michael Brower Agency, Inc. American Family Insurance helps area companies review their policies to address such seasonal property risks. The agency also assists with general liability and commercial auto protection tailored to local operations. A thorough initial assessment of a business’s current exposures and existing coverage begins with an on-site inspection of the workplace and equipment.
Advantage 1 Insurance offers specialty services in commercial liability, property coverage, and workers’ compensation for local businesses in St Cloud, MN. It provides general business insurance agent work including policy analysis, risk assessment, and coverage adjustments for evolving operations. The company helps clients manage seasonal concerns such as liability exposure during winter weather events, protecting businesses from ice-related claims and delivery interruptions.
Farmers Insurance - Jed Simi in St Cloud, MN helps local homeowners with residential insurance coverage for their property and belongings. The agency also provides commercial insurance options for small businesses operating in the surrounding area. Business owners can discuss policies tailored to their specific risks and needs during an initial consultation. After securing a plan, clients may receive periodic follow-up to review any changes in operations or coverage requirements between regular visits.
Rock City Insurance assists businesses in St Cloud with managing their general liability, property, and workers' compensation coverage. The agency specializes in adding tailored endorsements for equipment breakdown and cyber liability exposures. It serves traditional commercial sectors including professional offices requiring errors and omissions protection, retail warehouses needing inventory coverage, and food service operations concerned with spoilage and liquor liability.
Moe Janssen Schee Agency: Allstate Insurance in St Cloud, MN offers business insurance on either a one-time policy term or a recurring annual renewal basis, tailoring coverage to each commercial client’s specific operational risks. General liability and property policies are commonly arranged to protect local shops and offices from unforeseen losses. Service for policy adjustments, claim support, and routine coverage reviews is available on an as-needed basis, with no predetermined schedule beyond renewal reminders.
Auto-Owners Insurance St. Cloud Claims provides business insurance services to companies in St. Cloud, Minnesota, helping local entrepreneurs manage commercial property and liability risks. The agency works with small and mid-sized businesses to build coverage that addresses everyday operational needs. General protections often include building and equipment insurance, liability for customer injuries, and loss of income during closures. For added security, it can offer commercial auto policies to cover work vehicles.
What Does a a Business Insurance Agent in St Cloud Cost?
Typical costs for a small business insurance policy in Minnesota range from 500 to 3,000 dollars per year for general liability. Workers compensation costs vary by industry and payroll but average around 1.50 dollars per 100 dollars of payroll. A business owners policy bundling property and liability often costs 1,000 to 5,000 dollars annually. These are general estimates and your actual costs will depend on your specific business risks and coverage needs. This is general information and not insurance advice.
About business insurance agents in St Cloud
Business insurance agents in St Cloud Minnesota help local companies find coverage for property, liability, and workers compensation. Minnesota law requires most employers to carry workers compensation insurance for their employees. Agents in the St Cloud area understand the needs of small businesses, manufacturers, and agricultural operations common in central Minnesota.
Frequently Asked Questions
What types of business insurance are required in Minnesota?
Minnesota law requires workers compensation insurance for most employers with one or more employees. Commercial auto insurance is required for any business-owned vehicles. Other coverages like general liability are not legally required but are often mandated by lenders or landlords.
How do I find a business insurance agent in St Cloud?
You can search online directories or ask for referrals from other local business owners. The Minnesota Department of Commerce licenses insurance agents. You can verify an agents license on the department website before working with them.
What factors affect business insurance costs in Minnesota?
Costs depend on your industry, number of employees, annual revenue, and claims history. Location in St Cloud may affect property insurance rates due to weather risks like hail and snow. Minnesota has a competitive insurance market so shopping around can help you find better rates.
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