Business Protector

Business professional reviewing Business Protector coverage

Commercial Coverage

Protect Your Business Operations

Business Protector bundles general liability, commercial property, and business interruption coverage into one streamlined package. Designed for retailers, professional services, contractors, and growing enterprises, this plan shields your assets, reputation, and revenue stream from the unexpected — so you can focus on building your business.

$299 / mo

General liability up to $2,000,000 per occurrence
Commercial property for buildings and contents
Business interruption income replacement
Optional cyber liability and E&O add-ons
Certificate of insurance within 24 hours

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Plan Features

Built for Business Resilience

Every component of Business Protector is designed to minimize downtime and protect your bottom line.

General Liability

Covers third-party bodily injury, property damage, and personal/advertising injury claims against your business.

Commercial Property

Protects your building, equipment, inventory, and fixtures from fire, theft, vandalism, and covered perils.

Business Interruption

Replaces lost income and covers ongoing expenses when a covered event forces temporary closure.

Cyber Liability

Optional coverage for data breaches, ransomware, notification costs, and regulatory fines.

Professional Liability

Errors and omissions coverage for consultants, agencies, and service-based professionals.

Workers' Compensation

Add workers' comp to meet state requirements and protect employees injured on the job.

Key Benefits

Why Businesses Choose Business Protector

Contract Ready

Meet client and vendor insurance requirements with fast certificate of insurance delivery.

One Package

Consolidate multiple coverages under a single policy for simpler management and billing.

Scalable Limits

Increase coverage as your revenue, headcount, and operational footprint grow.

Risk Advisory

Access loss prevention resources and safety guidance from experienced commercial advisors.

Coverage Highlights

What's Included in Your Policy

Business Protector is customized to your industry, revenue, and location. Our commercial team evaluates your operations, contractual obligations, and asset values to build a package that meets lender, landlord, and client requirements.

$1M/$2M general liability standard limits
Business personal property coverage
12-month business income restoration
Hired and non-owned auto liability
Legal defense costs included in limits

$2M

Liability Per Occurrence

24hr

COI Delivery

50+

Industries Served

4.7

Client Rating (98+)

Common Questions

Business Protector FAQ

Commercial questions? Reach us at hello@minnesotaownyourfuture.com.

Business Protector serves retailers, restaurants, professional services, contractors, tech startups, and many other small to mid-size enterprises. Certain high-hazard industries may require specialized underwriting — our team will guide you to the right solution.

Workers' compensation is required in most states once you have employees. It can be added to your Business Protector package or maintained as a separate policy depending on your state and payroll structure.

Once your policy is bound, certificates of insurance are typically issued within 24 hours. Rush requests for active contracts can often be accommodated the same business day.

Yes. Home-based businesses often need commercial coverage beyond a standard homeowners policy — especially for inventory, client visits, and professional liability. We tailor limits for home office operations and e-commerce sellers.

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Protect Your Business Operations