Business Insurance

Business and personal insurance coverage

Your business is more than just a job—it's your livelihood. At JRL Agency, we understand how important it is to protect the company you've worked hard to build. That's why we offer a wide range of business insurance solutions to help shield your business from unexpected risks. Whether you're a local contractor, restaurant owner, or real estate investor, we’ll help you find coverage tailored to your industry and operations.

From property damage to liability claims, our commercial insurance products are designed to provide peace of mind so you can focus on running your business. We proudly serve small and midsize businesses in Fergus Falls, Ottertail, Battle Lake, and surrounding Minnesota and North Dakota communities.

Types of Business Insurance Coverage

Property Insurance

Protect your building, equipment, inventory, and furnishings against fire, theft, vandalism, and other covered events.

Liability Insurance

Help safeguard your business from costly legal claims due to accidents, injuries, or property damage caused to others.

Commercial Auto Insurance

Coverage for vehicles used for business purposes, whether you have one company car or a fleet.

Workers’ Compensation Insurance

Provide benefits to employees for work-related injuries or illnesses, and stay compliant with state requirements.

Business Umbrella Insurance

Extend your liability limits with an extra layer of coverage to protect against large or unexpected claims.

Business Life Insurance

Plan for the future with life insurance options to help protect your business continuity and key team members.

Industries We Serve

  • Apartment Owners
  • Auto Service & Repair Shops
  • Commercial Real Estate
  • Property Maintenance | Independent contractors i.e., plumbers, electricians, and landscapers
  • Homeowners Associations (HOAs)
  • Manufacturing Businesses
  • Professional Offices
  • Restaurants
  • Food Trucks
  • Retail Stores
  • Wholesale Businesses