The top-rated commercial 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 commercial 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 | Rock City Insurance | 14 7th Ave N | (320) 259-4003 |
| 8 | Moe Janssen Schee Agency: Allstate Insurance | 3717 3rd St N | (320) 251-1383 |
| 9 | Auto-Owners Insurance St. Cloud Claims | 3601 18th St S | (320) 251-1451 |
| 10 | Lamphere Insurance Group, LLC | 606 25th Ave S Ste. 204 | (320) 640-0633 |
Dan Anderson - State Farm Insurance Agent serves the St Cloud, Minnesota area and surrounding communities as a commercial insurance agent. The company offers business insurance policies designed to protect local enterprises from financial risks and liabilities. Coverage options typically address property damage, general liability, and workers compensation needs for small to mid-size businesses. Services also include customizing policies to match specific operational exposures. This agency handles commercial auto insurance for company vehicles and business interruption coverage to help maintain income during unexpected closures.
Ken Bellicot - State Farm Insurance Agent in St Cloud assists local businesses with a broad range of coverage options, including general liability, property, and workers compensation. The agency provides ongoing policy reviews and endorsements to ensure each plan keeps pace with changing operational needs. Claims guidance and risk assessment consultations are offered as part of its standard service maintenance. It routinely services single-family homes, apartments, retail locations, and various restaurants.
The Lyle Group: Allstate Insurance in St Cloud, Minnesota provides business insurance solutions that protect commercial operations from risk. Specializing in property and casualty coverage, the company offers liability protection, business interruption policies, and commercial auto plans. These coverages help local enterprises respond to unexpected losses or legal claims. Agents work with a variety of businesses, tailoring policies to manage exposures unique to different industries. The firm serves commercial sectors including offices, warehouses, and food service operations.
Hess Partners Insurance Agency serves St. Cloud and the surrounding central Minnesota communities, offering commercial insurance for a range of local businesses. It handles policies for property, liability, and workers’ compensation to protect against operational risks. The agency begins each client relationship by reviewing the business’s unique exposures, then customizes coverage from available carriers to meet those specific needs.
As winter winds sweep across central Minnesota, many St. Cloud businesses need to review their property and liability coverage for seasonal risks. Michael Brower Agency, Inc. American Family Insurance assists local companies with standard commercial insurance policies, including general liability and workers compensation. The agency helps business owners compare options to find suitable coverage limits. After an initial conversation about business operations and existing policies, the agency typically schedules an on-site inspection of the premises before providing a formal proposal.
Advantage 1 Insurance in St Cloud, MN, offers specialty commercial coverage for businesses in sectors such as construction, retail, and manufacturing. It also works with entrepreneurs and established companies to create general liability, property, and workers’ compensation policies that match operational needs. During the winter months in central Minnesota, the agency helps business owners review their snow removal liability and trucking cargo insurance requirements to manage seasonal risks effectively.
Rock City Insurance provides businesses in St Cloud, Minnesota, with access to general commercial coverage policies along with specialized endorsements for property, liability, and workers' compensation. The agency focuses on assessing each client’s unique risk exposure and matching it with appropriate protection from multiple carriers. Its services extend to a range of commercial sectors, including offices, warehouses, and food service operations.
For businesses choosing between one-time coverage for a specific project and recurring policies such as general liability or workers’ compensation, Moe Janssen Schee Agency: Allstate Insurance in St. Cloud, MN, provides commercial insurance options. The agency helps clients assess risks tied to local industry and property types, securing appropriate policies for operations of varying scale. Services are typically arranged on a scheduled or as-needed basis, depending on the client’s evolving business needs.
Auto-Owners Insurance St. Cloud Claims handles residential insurance needs for local homeowners and renters, then extends its expertise to commercial coverage tailored for area businesses. Serving the St. Cloud region and surrounding communities, this agency advises clients on policies that protect property, liability, and operations. After an initial consultation or policy setup, staff remain available to adjust coverage as circumstances change, with follow-up offered regularly between scheduled visits to ensure ongoing protection.
Lamphere Insurance Group, LLC in St. Cloud, MN, is a commercial insurance agent known for helping businesses manage risk and secure appropriate coverage. Its services include property, liability, and workers’ compensation policies tailored to various local industries. The agency works closely with clients to review evolving exposures and adjust protection accordingly. It offers a specialty service in adding inland marine coverage for equipment and goods in transit.
What Does a a Commercial Insurance Agent in St Cloud Cost?
Typical costs for commercial insurance in Minnesota vary widely by industry size and risk. A small retail shop might pay 500 to 1 500 per year for general liability while a construction company could pay 5 000 to 15 000 or more. Workers compensation rates in Minnesota are set by the state and average about 1.50 per 100 of payroll for low risk jobs. Actual premiums depend on your specific business details. This is general information not insurance advice.
About commercial insurance agents in St Cloud
Commercial insurance agents in St Cloud Minnesota help local businesses 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 risks facing regional industries like manufacturing agriculture and healthcare.
Frequently Asked Questions
What types of commercial insurance do St Cloud businesses need?
Common coverages include general liability property insurance workers compensation and commercial auto. Minnesota requires workers comp for businesses with one or more employees. Your agent can help you assess specific risks for your industry.
How does Minnesota law affect commercial insurance requirements?
Minnesota Statutes Chapter 176 mandates workers compensation for most employers. The state also requires commercial auto insurance with minimum liability limits of 30 000 per person and 60 000 per accident. Your agent can explain how these rules apply to your business.
Can I bundle multiple policies with one St Cloud agent?
Yes many agents offer business owner policies that bundle general liability and property coverage. Bundling can simplify management and may reduce overall costs. Your agent will review your operations to find the right package.
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