Commercial Insurance · Minnesota
General liability insurance is the foundation of most business insurance programs. It covers the most common business risks — a customer slipping and falling, accidental damage to a client's property, or an advertising claim. Most landlords, clients, and contracts require it before you can work.
What's Covered
General liability insurance is the foundation of most business insurance programs. It covers the most common business risks — a customer slipping and falling, accidental damage to a client's property, or an advertising claim. Most landlords, clients, and contracts require it before you can work.
Covers medical expenses, lost wages, and legal costs if a customer, vendor, or third party is injured due to your business operations — at your location or elsewhere.
Covers accidental damage your business causes to someone else's property. If you're a contractor and damage a client's home, or a cleaning crew knocks over expensive equipment, this covers it.
Covers libel, slander, copyright infringement in your advertising, and false arrest claims. Increasingly relevant for businesses with an online presence and marketing activity.
Covers claims arising from products you sell or work you've already finished. If a product you manufactured causes an injury or a completed job causes damage, this coverage responds.
Pays minor medical expenses for third parties injured on your premises, regardless of fault. Helps resolve small incidents quickly without triggering a full liability claim.
If you lease business space and cause damage to the landlord's property through fire, water, or other covered events, this pays for the damage — usually required by commercial leases.
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 specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
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
The state doesn't mandate it for most businesses, but landlords, clients, and licensing boards commonly require it. Contractors, healthcare providers, and businesses working with the public almost always need it.
A Business Owner's Policy (BOP) bundles general liability with commercial property — usually at a better price than buying each separately. Standalone GL makes sense when you don't have a physical location or significant property to insure.
Most small businesses start with a $1M/$2M policy (per occurrence/aggregate). Higher-risk businesses or those with large contracts often need $2M/$4M or more. We'll help you match your limits to your actual exposures.
No — employee injuries are covered by workers compensation. GL covers third parties — customers, vendors, members of the public — not your own employees.
