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Browse commercial insurance agents serving Ham Lake, Minnesota. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Ham Lake, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 2 commercial insurance agents in Ham Lake, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Maria D - State Farm Insurance Agent
16015 Central Ave NE, Ham Lake, MN 55432
(763) 571-4243
mariadagency.com
Saarela Insurance Services-Nesbit Agencies
17565 Central Ave NE Suite 160, Ham Lake, MN 55304
(763) 434-4834
saarelainsurance.com
Commercial insurance agents in Ham Lake, Minnesota help business owners protect their assets with tailored policies. Minnesota law requires certain coverages like workers compensation for most employers with more than one employee. Local agents understand the specific risks faced by businesses in Anoka County and the broader state market.
What Does a Commercial Insurance Agent in Ham Lake Cost?
Typical costs for a small business commercial insurance package in Minnesota range from $500 to $3,000 per year for general liability, with additional costs for property and workers compensation. A retail store in Ham Lake might pay $1,200 to $2,500 annually for a basic policy, while a construction business could pay $3,000 to $10,000 or more. Premiums vary widely based on industry, payroll, and risk factors. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of commercial insurance do Ham Lake businesses need?
Common coverages include general liability, property insurance, workers compensation, and commercial auto. Minnesota requires workers compensation for businesses with one or more employees, unless exempt. A local agent can help you identify required and optional coverages for your industry.
How do Minnesota laws affect commercial insurance requirements?
Minnesota statutes set specific minimum limits for commercial auto liability and workers compensation benefits. For example, Minnesota law mandates workers compensation coverage for most employers. Your agent can explain how these laws apply to your Ham Lake business.
What factors influence the cost of commercial insurance in Ham Lake?
Costs depend on your business type, number of employees, revenue, claims history, and coverage limits. Location in Ham Lake may affect rates due to local weather risks and property values. An agent can provide quotes tailored to your specific operations.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Minnesota.