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Minnesota state law requires technology businesses with four or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Vehicles owned by technology businesses in Minnesota must be covered by commercial auto insurance. Minnesota requires $10,000 property damage liability per accident and $10,000 personal injury protection.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
Our agents are experts in insurance for Minnesota technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Minnesota Department of Commerce Insurance Division as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 40209420). You can verify our licensure with the Sircon Corp. Verification System by selecting Minnesota, agency, and then entering our license number.