Business insurance and employee benefits
Protect your employees and your business
Every business relies on quality services to grow their bottom line. Whether it’s high-quality, low-cost employee benefits or commercial products to protect your company, the Chamber partners to save you time and money, and make your life easier. The Minnesota Chamber offers business services – solutions to your business challenges – at competitive costs and with very simple steps.
Looking for an insurance broker for your company? View this list of Minnesota Chamber member insurance brokers.
Employee benefits
Employee benefits
Health
Health insurance is a contract that requires an insurer to pay some or all of a person's health care costs, which typically includes medical, surgical and prescription drug in exchange for a premium. There are different types of plans available, and the coverage is often included in employer benefit packages as a means of recruiting and retaining quality employees.
ChamberHealth makes affordable health coverage available for small and mid-sized companies to bring down costs while offering access to the same high-quality care as large employers.
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Life
Life insurance pays a death benefit, or face value to the policy owner’s named beneficiaries when the insured dies. Supplemental/voluntary coverage can usually be added above the employer’s offering for those families seeking greater coverage. And accidental death and dismemberment (AD&D) insurance may be added as a rider to a policy and covers the unintentional death or dismemberment of the insured.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Short-term disability
If an employee is injured, becomes ill, or even recovering from the birth of a child, their ability to work and earn a full income could be impacted. Short term disability coverage protects a portion of the income for a condensed period, typically between six and 12 months, with benefits that begin immediately in some cases.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Long-term disability
No one expects to find themselves disabled. Long-term disability is protection for extended illness or injury, and can offer years of replacement income, lasting well into an employee’s retirement age in many cases. A variety of policy options and riders are available for employer plans.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
The Standard offers a Lifetime Security benefit on long-term disability. This continues the long-term disability benefit until death if the disability is severe.
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Dental
Dental insurance helps employees cover the costs of preventive dental care while softening the blow on pricier procedures like crowns, bridges and fillings. Offering quality individual dental coverage sets employers apart from their competitors.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
The Standard includes max builder included on all dental policies. This doubles the max benefit if you go to a dentist once a year and don’t exceed the threshold.
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Vision
Not only does supplying vision benefits save the employee money but it also saves businesses money in the long run. With digital eye strain at an all-time high, vision insurance offers benefits such as discounted vision exams, glasses and contacts, and creating overall wellness support for employees.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Identity theft
Employees and their families do nearly everything online. But as digital crime continues to soar, this convenience puts what’s important to them at risk: their assets, identities, family, and tech. MetLife + Aura’s solution is a smart, simple way for employees and their families to stay safe online.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Pet insurance
Pets are family, and when they need to see the vet, it can be emotionally and financially stressful for employees.
Employee-paid voluntary benefits from MetLife make it easy to expand your offering without increasing your benefits budget. MetLife makes it easy for employers to offer more benefit choices: Employee-paid supplemental coverages, convenience payroll deduction and simple administration through a single carrier.
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Business insurance
General liability
General liability insurance protects businesses that sell products and provide services from high costs of lawsuits and helps them qualify for leases and contracts. It covers common business risks like injury, property damage and advertising liability. Without general liability, your business could face high costs from property or general liability claims.
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.
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Property
Property insurance is key to protecting business owners from having to pay out of pocket to repair or replace damaged or destroyed property. This can include on-site physical assets and protect against damage due to certain causes of loss. Having property insurance helps minimize the financial impact following certain accidents, weather events or other hazards.
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.
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Umbrella
Umbrella insurance provides an extra layer of liability protection to businesses by covering costs that go beyond their other liability coverage limits. It works together with other policies to cover the same type of costs, such as medical expenses, attorney fees or damages – but at a higher level of cost that businesses could face.
With a variety of benefits, including access to our expert Loss Control staff and our library of safety and compliance resources, we're confident that Western National provides your company with a combination of coverage, price, and service that amounts to industry-best business protection.
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Workers' compensation
Workers’ compensation insurance covers an employee’s injury or illness arising from the course and scope of their employment. It’s a no-fault system, so employees are entitled to compensation for covered claims even if they were at fault for the incident. Workers’ compensation insurance helps employers fulfill their statutory obligation to compensate employees and avoids potentially long and costly lawsuits.
The Chamber benefit that pays you back: Chamber members that write their work comp policy with Accident Fund will receive a 5% up-front discount and a potential dividend check each year of up to 5% (this is based on members annual premium and individual loss ratio).
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.
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Commercial auto
Commercial auto insurance protects businesses against liability caused by accidents involving autos owners by or used in conjunction with a business. It provides certain compensation to occupants of your business autos injured in accidents. Without commercial auto insurance, businesses are subject to costly out-of-pocket costs and claims.
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.
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Cyber risk
Cyber risk insurance helps protect against cyberattacks and help cover investigation, litigation and other expenses from a potential data breach. 42% of cyber attacks in American target small businesses, and since the onset of COVID-19, cyber crimes have increased by 300%. This critical helps protect businesses with the increased use of e-commerce, web-based file storage and the proliferation of smart phones, laptops and tablets.
New to CyberRisk is Betterment – an insuring agreement that provides coverage for costs to improve a computer system after a security breach, when the improvements are recommended to eliminate vulnerabilities that could lead to a similar breach. Travelers also provides policyholders innovative value-added pre-breach and post-breach risk management services at no additional cost.
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.
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Errors and omissions (E&O)
Errors and Omissions insurance is a professional liability insurance designed to protect employees and employers against clients’ claims of negligence or inadequate work. E&O policies can claim legal costs associated with a claim or settlement. Businesses that provide a service to a client are at risk for these claims, which vary in type and scope based on the industry and type of service.
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.
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Directors and officers (D&O)
Directors and officers (D&O) insurance protects the personal assets of corporate directors and officers in the event that they are sued by employees, vendors, competitors, investors or customers. Common allegations include breached of fiduciary duty, failure to comply with regulation, lack of corporate governance, creditor claims and reporting errors.
Specialized coverage available for boards of directors who govern non-profit organizations, associations, and chambers of commerce.
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Allied and fire
Unforeseen losses can cause a flourishing business to suddenly find itself in a disastrous situation. Often found in combination, these coverages support losses caused by natural disasters and fire.
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.
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Inland marine
These policies were born out of shipping needs, but today they cover much more. Modern inland marine insurance can refer to any type of policy used to insure property that isn’t fixed or is regularly transported.
Western National works together with our customers and independent agency partners to provide a customized, personalized approach to each policy in order to find the best solution for your unique business needs.