Commercial Insurance
RAM’s commercial insurance solutions are designed to protect your business, your employees, and your future.
Whether you’re managing day-to-day operations or planning for growth, we offer practical coverage options backed by responsive support and guidance from your local independent agent.
Business Partners
Our Business Partners (BOP) program is designed for small to mid-sized retail and service businesses.
With flexible coverage options, BOP policies can be tailored to meet the specific needs of your operation, helping you protect what you’ve built while staying focused on running your business.
Commercial Package Policy
Options may include property, liability, equipment breakdown, inland marine, and crime coverage-allowing you to select the protections that fit your business under a single policy.
Commercial Auto
Our Commercial Auto coverage helps keep your business moving.
We offer policies for a wide range of industries, including contractors, trades, and service providers, so you can protect the vehicles your business depends on every day.
Workers' Compensation
Workers’ Compensation coverage helps protect your employees and meet your legal responsibilities as an employer in Minnesota.
With decades of experience in this area, RAM provides reliable coverage and guidance to help support both your workforce and your business.
Commercial Liability
Commercial Liability coverage helps protect your business from everyday risks.
Coverage options may include premises and operations liability, medical payments, fire damage legal liability, hired and non-owned auto, and more; helping safeguard your business from unexpected events.
Commercial Umbrella
Commercial Umbrella coverage provides an additional layer of protection beyond your primary policies.
Designed to complement your BOP or CPP coverage, it offers higher limits to help protect your business from larger or more complex claims.
Equipment Breakdown Coverage
Don't lose sleep over the unexpected! With RAM's Equipment Breakdown Coverage, you may be covered!
Reach out to your agent for available options and gain a better understanding of your protection.
Commercial Cyber Liability
RAM's Commercial Cyber Liability coverage is another enhancement coverage designed to complement our BOP and CPP programs.
This important endorsement provides coverage for eligible expenses and exposures associated with a privacy breach incident and includes both proactive and reactive services to provide expert assistance if such an event occurs.
Contact your agent to learn more about adding Commercial Cyber Liability coverage today!
Employment Practices Liability (EPL)
Employment Practices Liability (EPL) coverage helps protect your business from claims related to employment practices, including discrimination, wrongful termination, and harassment.
This coverage may also extend to certain third-party claims, providing broader protection for your business.
Find an Agent You Can Trust
Our network of independent agents across Minnesota and North Dakota ensures you have a knowledgeable, trusted partner close to home.
Your local agent can help you understand your options, choose the right coverage, and support you throughout the life of your policy.
