The top-rated business insurance agent in Apple Valley, Minnesota is Globe Life American Income Division: Sparby Organization, rated 4.8 stars across 1,143 reviews. Other highly rated options include Butler & Associates Insurance Agency, Joe Etten - State Farm Insurance Agent, Dave Melle - State Farm Insurance Agent. This directory lists 18 business insurance agents serving Apple Valley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: Sparby Organization | 15322 Galaxie Ave Suite 203A | (612) 369-1328 |
| 2 | Butler & Associates Insurance Agency | 14800 Galaxie Ave Suite 208 | (952) 953-3838 |
| 3 | Joe Etten - State Farm Insurance Agent | 14501 Granada Dr #101 | (952) 431-7100 |
| 4 | Dave Melle - State Farm Insurance Agent | 14831 Energy Way | (952) 997-3010 |
| 5 | Brett McSparron - State Farm Insurance Agent | 15030 Glazier Ave #100 | (952) 431-1300 |
| 6 | Farmers Insurance - Kara Petter | 13000 Pilot Knob Rd Ste 1 | (952) 432-1967 |
| 7 | Retta Insurance Agency LLC | 14870 Granada Ave #155 | (763) 465-1101 |
| 8 | Elfstrum Consulting Inc | 14799 Energy Way | (952) 432-8873 |
| 9 | Mayer Insurance Agency | 15025 Garrett Ave #201 | (952) 432-5900 |
| 10 | Debra Suman American Family Insurance | 14698 Galaxie Ave | (952) 953-0900 |
Globe Life American Income Division: Sparby Organization serves the Apple Valley, Minnesota area and offers business insurance agent services to local companies. This agency helps businesses secure coverage tailored to their operational needs, including liability protection and employee benefits. It works closely with clients to navigate insurance options and manage risk effectively. The agency specifically handles commercial property insurance in this region.
Butler & Associates Insurance Agency in Apple Valley, MN provides a full range of business insurance products, including general liability, property, and workers compensation coverage. It structures service plans to help local enterprises manage policy renewals and adjust coverage as their operations evolve. The agency works closely with clients to ensure their assets and daily commercial risks are properly addressed. It services a variety of properties, such as single-family homes, apartments, retail stores, and restaurants.
Serving Apple Valley and the surrounding communities of Dakota County, Joe Etten - State Farm Insurance Agent handles business insurance for local companies in need of liability, property, and commercial auto coverage. The agency works with independent professionals and small retail operations to identify specific risks that could interrupt daily operations. To manage a typical job, the agent begins by reviewing the client’s current exposures and then recommends tailored policy options that address their unique business needs.
Businesses, homeowners, and property managers in Apple Valley rely on Dave Melle’s agency for comprehensive business insurance solutions, including general liability, property coverage, and commercial auto policies. The team works closely with local enterprises to tailor plans that protect assets and manage daily risks effectively. Serving the broader Dakota County area, the agency extends its business insurance expertise to neighboring communities such as Burnsville and Lakeville.
Brett McSparron - State Farm Insurance Agent in Apple Valley, MN, offers both one-time policy consultations and recurring service options. Clients can explore various coverage types, including general liability and property insurance tailored for local businesses. As a business insurance agent, the focus is on helping entrepreneurs manage risk and protect their operations. Service runs on either a scheduled or as-needed basis, depending on the client's changing needs and policy review requirements.
Farmers Insurance - Kara Petter in Apple Valley, MN offers specialized business insurance agent services, including general liability, property coverage, and commercial auto protection. The agency also assists local entrepreneurs with designing comprehensive policies tailored to small business operations and risk management needs. Helping clients understand coverage options and navigate insurance requirements is a core part of its work. Each season, the agency particularly helps commercial clients address unique liability exposures during the busy holiday shopping period, ensuring proper protection for seasonal inventory increases and temporary staff.
As winter snow threatens slippery parking lots and delivery trucks topple on icy roads, Apple Valley business owners need a specialist who pairs local property protection with liability plans. Retta Insurance Agency LLC delivers commercial coverage tailored for retailers, restaurants, and contractors in Dakota County. Their process involves reviewing storefronts or workshops on-site to pinpoint risks from heavy snow accumulation and seasonal foot traffic. After this inspection, they provide a clear assessment of necessary policy layers to keep operations secure through the cold season.
Elfstrum Consulting Inc delivers business insurance solutions in Apple Valley, Minnesota, offering tailored liability and property coverage to protect local enterprises. Their services encompass general liability, commercial property, and workers' compensation policies. They also provide specialized endorsements for professional liability and cyber risk, ensuring comprehensive protection. The agency serves commercial sectors including offices, warehouses, and food service establishments throughout the area.
Mayer Insurance Agency assists Apple Valley residents with tailored coverage for their homes and personal assets. The agency also provides business insurance solutions, helping local companies protect their commercial property and operations throughout the surrounding area. Their team works closely with each client to evaluate specific risks, from small retailers to contractors. Following an initial policy setup, the agency can schedule regular policy reviews to ensure coverage stays current with changing needs between annual visits.
Debra Suman American Family Insurance is known for helping small and mid-sized businesses in Apple Valley, MN secure essential coverage. The agency provides a range of business insurance policies including general liability, property, and workers' compensation protection. It also serves local entrepreneurs needing commercial auto and professional liability options. As a specialty service, the agency can add on inland marine coverage to protect tools and equipment during transport.
What Does a a Business Insurance Agent in Apple Valley Cost?
Typical costs for business insurance in Minnesota vary by industry, location, and coverage limits. A small retail shop might pay $500 to $1,500 per year for general liability, while a construction contractor could pay $3,000 to $8,000 annually for a package policy. Workers compensation rates are set by the state and average around $1.50 per $100 of payroll for low-risk jobs. This is general information and not insurance advice.
About business insurance agents in Apple Valley
Business insurance agents in Apple Valley, Minnesota help local businesses secure coverage for general liability, property damage, and workers compensation. Minnesota law requires most employers to carry workers compensation insurance, and agents can guide you through compliance with state statutes. They also assist with tailoring policies to protect against common risks in the Twin Cities metro area.
Frequently Asked Questions
What types of business insurance do Apple Valley agents offer?
Agents offer general liability, commercial property, workers compensation, professional liability, and commercial auto insurance. They also provide business interruption and cyber liability coverage based on your industry.
Is workers compensation insurance required in Minnesota?
Yes, Minnesota Statute 176.021 requires all employers with one or more employees to carry workers compensation insurance. Failure to comply can result in fines and legal penalties.
How do I choose a business insurance agent in Apple Valley?
Look for an agent licensed in Minnesota with experience in your industry. Check their knowledge of local risks and ask about policy bundling options to reduce costs.
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