Commercial Auto · Bloomington, MN
Businesses in Bloomington that use vehicles for work need commercial auto insurance — personal policies won't cover a claim that happens on the job. As an independent agency serving Hennepin County, we compare commercial auto rates across multiple carriers to find the right coverage for your fleet or single work vehicle.
What's Covered
Businesses in Bloomington that use vehicles for work need commercial auto insurance — personal policies won't cover a claim that happens on the job. As an independent agency serving Hennepin County, we compare commercial auto rates across multiple carriers to find the right coverage for your fleet or single work vehicle.
Dayton Insurance Agency serves clients throughout Bloomington and Hennepin County. A first-ring suburb south of minneapolis known for the mall of america, strong commercial corridors, and a large mix of single-family homes and apartments, Bloomington is a community we know well. Whether you're looking for competitive rates or need help after a claim, we're available by phone, text, or email — Mon–Fri 9–5.
Covers bodily injury and property damage your business vehicles cause to third parties. Minimums exist under state law, but most businesses need higher limits to protect their assets.
Covers your business vehicles after a collision or from theft, weather, fire, and other perils. Essential if vehicles are financed or a loss would impact your operations.
Covers vehicles you rent or borrow for business, and employee-owned vehicles used for work. Often overlooked but important if employees ever drive personal cars on company business.
Protects your drivers and your business when an at-fault driver doesn't carry enough coverage. Important for high-mileage commercial vehicles.
Minnesota no-fault law applies to commercial vehicles. PIP covers your drivers' medical bills after an accident regardless of fault.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Yes — you need hired and non-owned auto (HNOA) coverage. Employee personal policies typically won't cover accidents that happen while working for you.
Yes. Single-vehicle commercial policies are common and often not much more expensive than personal auto. We'll find the right carrier for your situation.
We work with multiple A-rated commercial carriers in Minnesota. The right carrier depends on your vehicle type, use, and driving history — we compare them all.
Generally no — tools and equipment need a separate inland marine policy. We can package both together to make sure you have no gaps.
