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Commercial

RAM offers a full line of commercial lines products so you can choose the coverage that is right for you.

Minnesota

Business Partners Policy

The business partners policy is intended for small to medium-size retail and service risks. The business partners policy is not intended for manufacturing risks or risks where a high percentage of service or installation work is done off-premises. This type of policy packages coverage usually needed for a typical business and gives you many options to customize the policy for your particular business needs. Equipment breakdown is included with the property coverages.

Commercial Package Policy

This policy can be used to insure larger and more diverse businesses than the business partners policy. Coverages are packaged but allow the business owner to select those coverages needed for their own business. There are many optional coverages available to help customize the policy for your needs. Equipment breakdown is included with the property coverages.

Commercial Auto

RAM offers a commercial auto program for a variety of risks. We write stand alone commercial auto for risks other than commercial farm vehicles.

Commercial Property

By using a commercial property policy, you can choose to insure just your commercial property and not the liability portion of your risk.

Commercial Liability

By using our commercial liability policy, you can choose to insure just your commercial liability exposure and not insure your property exposure.

Workers' Compensation

RAM can provide workers’ compensation for most business including school districts. In most cases we can provide workers’ compensation without requiring supporting coverage. When supporting coverage is written, both policies qualify for a supporting coverage credit.


Effective January 1st, 2017 the statewide annual average wage for WC is $53,349.
Effective January 1st, 2016 the statewide annual average wage for WC is $51,420.

Commercial Umbrella

If RAM provides the underlying commercial coverage, we can usually offer a commercial umbrella with limits of up to $2,000,000. In addition to higher liability limits, the commercial umbrella offers "drop down" coverages in some situations.

North Dakota

Business Partners Policy

The business partners policy is intended for small to medium-size retail and service risks. The business partners policy is not intended for manufacturing risks or risks where a high percentage of service or installation work is done off-premises. This type of policy packages coverage usually needed for a typical business and gives you many options to customize the policy for your particular business needs. Equipment breakdown is included with the property coverages.

Commercial Package Policy

This policy can be used to insure larger and more diverse businesses than the business partners policy. Coverages are packaged but allow the business owner to select those coverages needed for their own business. There are many optional coverages available to help customize the policy for your needs. Equipment breakdown is included with the property coverages.

Commercial Auto

RAM offers a commercial auto program for a variety of risks. We write stand alone commercial auto at competitive rates.

Commercial Property

By using a commercial property policy, you can choose to insure just your commercial property and not the liability portion of your risk.

Commercial Liability

By using our commercial liability policy, you can choose to insure just your commercial liability exposure and not insure your property exposure.

Commercial Umbrella

If RAM provides the underlying commercial coverage, we can usually offer a commercial umbrella with limits of up to $2,000,000. In addition to higher liability limits, the commercial umbrella offers "drop down" coverages in some situations.


Click here to view the most recent Commercial Lines Hit List.