Business Insurance in Minnesota
R&L has experience insuring businesses of all sizes, regardless of how unique or hard-to-place they may be. Since 1950, R&L has been serving agents and brokers throughout the Central United States. Whether your risk is located in Minneapolis, Bemidji, Rochester, or elsewhere in the state, R&L has a market to best suit your commercial auto, garage liability, general liability, or other Minnesota business insurance coverage needs.
Types of Minnesota Business Insurance We Offer
Commercial Auto
R&L offers Commercial Auto coverage options for:
- Public Livery
- Commercial Truck
- Motor Truck Cargo
- Other Business Auto
Why Quote General Liability with Us?
Broad appetite
Monoline or package options
A++ rated markets available
Many classes available on admitted paper
General Liability
R&L offers General Liability insurance coverage for businesses such as:
- Habitational
- Contractors
- Transportation
- Special Events
- Hospitality
Why Quote Garage Liability with Us?
Risks with prior loss activity
Ability to consider new ventures, highly-valued vehicles, mobile operations, used tire sales & installation
Garage Liability
R&L offers Garage Liability insurance coverage for businesses such as:
- Auto Service Repair
- Non-Franchised Dealers
Why Quote Commercial Property and Inland Marine with Us?
Limits up to $50 million
A++ rated markets available
Commercial insurance expertise
Monoline or package with other lines of coverage
Commercial Property and Inland Marine
R&L offers Commercial Property and Inland Marine insurance coverage for businesses such as:
- One to Four Family Dwellings
- Bars & Restaurants
- Vacant Buildings
- Contractor's Equipment
- Builder's Risk
- Cargo
Why Quote Professional Liability with Us?
Defense outside of limits options
Easily packaged coverages with preferred pricing
Independent contractors can be included as employees
Up to $5 million in limits
Professional Liability
R&L offers Professional Liability insurance coverage for businesses such as:
- Accountants & Bookkeepers
- Agricultural Consultants
- Appraisers
- Business Consultants
- Condo & Homeowners Associations
- Event Planners
- Graphic Designers
- Houses of Worship
- Information & Technology Services
- Insurance Agents
- Management Consultants
- Mental Health Counselors
- Property Managers
- Real Estate Agents
- Private Investigators
- Sports Camps & Programs
- Staffing Agencies
- Tax Preparers
- Training Services
- And much more
Why Quote Workers' Compensation with Us?
Minimum premiums as low as $1,000
Direct bill available
Able to consider large, high mod, multistate accounts
Workers' Compensation
R&L offers Workers' Compensation insurance coverage for:
- HVAC Contractors
- Many Artisan Contractor Classes
- Many Repair Operations Including Auto
- Office Exposures
- Property Managers
- Restaurants
- Retailers
- Ambulance Services
- Bus & Limo
- Construction
- Manufacturing & Distribution
- Oil & Gas Contractors
Why Quote Excess Liability and Umbrella with Us?
Minimum premiums starting at $750
Increased protection over auto liability, employer's liability, general liability, liquor, professional, and cyber
Up to $10 million limits
Nationwide coverage
Excess Liability and Umbrella
R&L offers Excess Liability and Umbrella insurance coverage for:
- Contractors
- Daycares
- Dump Trucks
- Hotels & Motels
- Limos
- Party Buses
- Restaurants
- Truckers
Don’t see what you need?
If you have a risk that’s hard to place, just send it our way. In many cases, we'll respond with a quote that same day, or the next day.
Why Choose R&L?
Same-Day/Next-Day Turnaround Time
Tenured, Knowledgeable Staff
Commercial Insurance Expertise
Need a Quote?
We make it easy to get a quick indication for your customer’s needs with our online submission process. When you submit online, you’ll receive a quick indication and priority service.