The top-rated business insurance agent in West St Paul, Minnesota is Sonja Lhotka - State Farm Insurance Agent, rated 5.0 stars across 407 reviews. Other highly rated options include Tom Stremski - State Farm Insurance Agent, Health Insurance Advisors, LLC, GARCIA'S PRO&INSURANCE INC. This directory lists 15 business insurance agents serving West St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sonja Lhotka - State Farm Insurance Agent | 1201 S Robert St Suite M3B | (651) 454-6555 |
| 2 | Tom Stremski - State Farm Insurance Agent | 1560 Livingston Ave Ste 101 | (651) 457-6348 |
| 3 | Health Insurance Advisors, LLC | 252 Marie Ave E Suite D | (651) 364-1623 |
| 4 | GARCIA'S PRO&INSURANCE INC | 1059 S Robert St W | (651) 621-1880 |
| 5 | Turitto Insurance Agency | 1349 S Robert St Ste 103 | (651) 455-4808 |
| 6 | Paul Weinberg - State Farm Insurance Agent | 1635 S Robert St | (651) 457-7119 |
| 7 | Steve Stremski - State Farm Insurance Agent | 1560 Livingston Ave Ste 101 | (651) 457-6348 |
| 8 | Insurance Advisors Ann-Marie Underhill Agency | 1074 S Robert St #109 | (651) 855-8484 |
| 9 | Meyer Peltier Insurance | 1549 Livingston Ave STE 102 | (651) 457-5454 |
| 10 | Farmers Insurance - Christine Smith | 433 Mendota Rd E Ste G | (612) 808-9908 |
Sonja Lhotka - State Farm Insurance Agent serves the West St Paul, Minnesota, area as a local business insurance agent. This agency provides commercial coverage solutions designed to protect small and mid-sized businesses from common operational risks. Policies available include general liability insurance to safeguard against third-party claims, as well as commercial property insurance to cover physical business assets. In this area, the agency also handles workers' compensation insurance and business interruption coverage.
Tom Stremski - State Farm Insurance Agent in West St Paul, MN provides a full range of business insurance services, including general liability, property coverage, and workers compensation plans. In addition to initial policy setup, clients receive regular policy reviews to adjust coverage as their business needs evolve. Simple maintenance tasks such as updating inventory or adding new equipment can be handled directly through the agency. This agent services single-family homes, apartments, retail spaces, and restaurants.
Health Insurance Advisors, LLC serves West St Paul, Minnesota, and the surrounding metro-area communities. The agency handles commercial insurance needs for local businesses, including general liability, property coverage, and workers compensation policies. The company works to understand each client’s specific operational risks and daily exposures. For a typical job, it evaluates the client’s business profile and current coverage gaps, then presents policy options from multiple carriers to match the risk.
Garcia's Pro&Insurance Inc serves local homeowners, businesses, and property managers in West St Paul, MN, with commercial insurance coverage tailored to their specific operational risks and liability needs. The agency works closely with each client to assess exposures and select appropriate policies for property, general liability, workers' compensation, and commercial auto protection. It also covers neighboring communities throughout the southern Minneapolis-Saint Paul metro area, including Mendota Heights and Inver Grove Heights.
Turitto Insurance Agency in West St Paul, MN specializes in business liability and property coverage to protect local commercial assets and daily operations. The agency also advises on workers' compensation and commercial auto policies, ensuring that small and mid-sized companies in the area meet regulatory and contractual requirements. It works to bundle coverages for cost efficiency while addressing risk exposure from seasonal flooding on the Mississippi River corridor that threatens inventory and facility stability.
Paul Weinberg - State Farm Insurance Agent in West St Paul, MN offers business insurance that differentiates between one-time policies for single events and recurring coverage for ongoing operations. This approach allows local companies to select the protection that fits their specific liability and property needs. General business insurance agents in this area help assess risks unique to small enterprises, such as inventory loss or customer injury. Service for this agent typically runs on a scheduled basis, with policy reviews and renewals arranged annually or as needed when business circumstances change.
As winter snow and ice begin to melt in West St Paul, local small businesses often face liability and property concerns from seasonal damage. Steve Stremski - State Farm Insurance Agent provides business insurance coverage tailored to these regional risks. This agency helps local owners protect their operations through commercial policies including general liability and property protection. After an initial consultation, a thorough inspection of the business premises is conducted to assess specific hazards and determine appropriate coverage limits.
Insurance Advisors Ann-Marie Underhill Agency provides business insurance coverage for companies in West St Paul, MN. It specializes in adding liability protections and property endorsements onto standard commercial policies. Clients can rely on the agency to explain complex coverage options in straightforward terms. The firm routinely serves commercial sectors including local offices, small warehouses, and food service operations.
Meyer Peltier Insurance in West St Paul, MN, assists local homeowners and renters with personal property and liability coverage. For commercial clients, the agency arranges business insurance to meet the varied needs of area operations. Its team handles general policies for small shops and specialty lines for larger firms throughout the region. Service includes reviewing existing plans during routine contacts and addressing questions when they emerge. The agency follows up with policyholders between regular scheduled visits to confirm continuing coverage adjustments as circumstances change.
Farmers Insurance - Christine Smith is a business insurance agent serving the West St Paul, Minnesota area. The agency provides general liability, commercial property, and workers' compensation coverage tailored to the needs of small and medium-sized enterprises. Christine Smith works directly with business owners to assess risk and design appropriate policies for their operational exposures. The firm also offers commercial auto insurance for fleets and company vehicles as a specialty service that can be added onto a standard policy.
What Does a a Business Insurance Agent in West St Paul Cost?
Typical costs for business insurance in Minnesota vary by industry and coverage level. A small retail shop might pay 500 to 1500 dollars per year for general liability. Workers compensation rates in Minnesota are set by the state and average about 1.50 dollars per 100 dollars of payroll for low risk jobs. Commercial auto insurance for a single vehicle can cost 1200 to 3000 dollars annually. This is general information and not insurance advice.
About business insurance agents in West St Paul
Business insurance agents in West St Paul help local companies find coverage that meets Minnesota state requirements. Minnesota law requires most employers to carry workers compensation insurance even for part time staff. An agent can explain how Minnesota statutes like Chapter 176 affect your business insurance needs.
Frequently Asked Questions
What types of business insurance do West St Paul agents offer?
Agents in West St Paul offer general liability commercial property workers compensation and commercial auto insurance. They can also provide professional liability and cyber insurance policies.
Does Minnesota require business insurance for all companies?
Minnesota does not require general liability insurance but does require workers compensation for most employers with one or more employees. Commercial auto insurance is required if you use vehicles for business purposes.
How do I choose a business insurance agent in West St Paul?
Look for an agent licensed in Minnesota who understands local risks like winter weather damage and flood zones near the Mississippi River. Ask about their experience with businesses similar to yours.
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