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Browse commercial insurance agents serving Otsego, Minnesota. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Otsego, 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 Otsego, 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.
EnviZion Insurance
14271 77th St NE, Otsego, MN 55330
(612) 354-6496
ezinsuranceplan.com
Kroger Insurance Agency
17625 52nd St NE, Otsego, MN 55374
(763) 245-9484
krogeragency.com
Commercial insurance agents in Otsego, Minnesota help local businesses find coverage for property damage, general liability, and workers compensation. Minnesota law requires most employers to carry workers compensation insurance, and agents can guide you through these state-specific requirements. Working with an agent familiar with Otsego and Wright County ensures your policy meets local business needs.
What Does a Commercial Insurance Agent in Otsego Cost?
The cost of commercial insurance in Minnesota varies by business type, size, and location. A small retail shop in Otsego might pay between $500 and $1,500 per year for general liability, while a construction company could pay $2,000 to $5,000 or more for combined coverage. Workers compensation rates are set by the Minnesota Department of Commerce and depend on your industry classification and payroll. This is general information and 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 Otsego businesses typically need?
Common coverages include general liability, commercial property, workers compensation, and commercial auto. Minnesota requires workers comp for businesses with one or more employees, and commercial auto insurance is mandatory for vehicles used for business purposes.
How does Minnesota law affect commercial insurance requirements?
Minnesota Statutes Chapter 176 mandates workers compensation insurance for most employers. The state also requires commercial auto insurance with minimum liability limits of 30/60/10 for bodily injury and property damage. An agent can help you meet these legal requirements.
Can a commercial insurance agent help with business risk management in Otsego?
Yes. Agents can assess your specific risks, such as weather-related property damage from Minnesota winters or liability from customer visits. They can recommend coverage limits and policy endorsements to protect your Otsego business.
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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.