Business & Commercial Insurance
Protect your business from unexpected risks with coverage built for your industry. We make commercial insurance simple, flexible, and local.
Why You Need Business Insurance That Works for You
Running a business comes with risk, but with the right insurance, it does not have to come with surprises. Whether you are a solo entrepreneur or manage a growing team, one incident could lead to major setbacks if you are not protected.
At ONE Insurance Agency, we help businesses get tailored protection for property, liability, employees, and more. We will guide you through what you need, explain what you do not, and make sure your business is covered without overpaying.
What Our Business Insurance Covers
We offer customizable policies for businesses of all sizes, from startups to established companies and everything in between.
General Liability Insurance
Covers accidents, injuries, and damages your business may be held responsible for essential protection for any business.
Commercial Property Insurance
Protect your building, equipment, inventory, and physical assets from fire, theft, weather, and more.
Workers’ Compensation
Coverage for medical expenses and lost wages if your employees are injured on the job required in most cases.
Errors & Omissions (E&O) Insurance
Helps cover claims of professional mistakes or negligence ideal for consultants, agents, and service providers.
Cyber Liability Insurance
Protect your business from data breaches, hacking, and other cyber threats with modern, responsive coverage.
Business Owners Policy (BOP)
Bundle property and liability into one cost effective package perfect for small and mid size businesses.
What Makes Us Different
We are local, experienced, and committed to helping small businesses thrive. No one size fits all policies, just honest guidance, tailored coverage, and real support.
- Business insurance solutions built around your needs
- Clear explanations with no industry jargon
- Quick response times and one on one service you can count on
Simple Steps to Get Covered
Tell Us About Your Business
We’ll ask a few quick questions about your industry, size, and coverage goals.
We Build Your Custom Plan
Our team shops top carriers to match you with the right policies at the best available rates.
Review and Choose Your Coverage
We’ll walk you through your options clearly so you feel confident in what you’re buying.
You’re Covered and Supported
Once you choose a policy, we stay by your side, helping with renewals, claims, or changes as your business grows.
Related Coverage
Business & Commercial Insurance by Community
Quoted for where you live.
Troy BallMay 2026
I contacted and got my quote through Email. No spam calls and waiting on the phone with quotes that are never the final result. Lower rates than going through insurance companies such as progressive direct. Highly recommend! Best broker I’ve ever gone through!!
Common Questions About Business & Commercial Insurance
Most small businesses start with general liability and commercial property, and many add workers compensation once they have employees. The right mix depends on your trade, your contracts, and your exposure, and we help you build it piece by piece.
It is required for most employers, with a few narrow exceptions, and the rules are enforced by the state. We make sure you carry what you need and avoid gaps that can lead to fines or uncovered claims.
Cost depends on your industry, payroll, claims history, and the limits you choose. We compare quotes from carriers that focus on your trade so the pricing reflects your real risk, not a generic small business number.
Yes, a Business Owners Policy, often called a BOP, bundles property and liability into one package at a lower combined cost. We help you decide whether a BOP fits or whether separate policies make more sense for your operation.
No, quotes are free and the agency never charges quote fees. We get paid by the carrier, so the comparison and the guidance are part of the service.
Protect Your Business Without the Stress
Let us help you safeguard what you’ve built. Start with a free quote and get coverage designed for your business, your budget, and your goals.
What happens next
- We reply usually the same day, always within 24 hours
- We shop 35+ carriers to compare your options
- No quote fees and no obligation to buy
- 763-888-8837763-294-8805 (Text Us)
- [email protected]
- 3001 White Bear Ave, Floor 2 (Maplewood Mall), St Paul, MN 55109
- Monday to Friday, 9:00 AM to 6:00 PM
