Farm & Business Insurance Owatonna and Southern Minnesota




EMC Insurance

EMC Insurance
www.emcins.com

Experts at designing the coverages for your farm or small business to protect your business, property, employees and more. EMC offers competitively priced property, liability, auto, crime, errors and omissions, workers’ compensation insurance products, as well as employment practices liability and umbrella coverages. Through our EMC Choice programs, we combine the most-needed property and liability coverages for selected industries. Our group programs offer enhanced protection and targeted loss control services for selected classes of businesses.


RAM Mutual Insurance

RAM Mutual Insurance
www.rammutual.com

In cooperation with the Minnesota township mutuals, RAM offers a farm package policy for most types of farming operations. There is an extensive list of options available for various types and sizes of farming operations. We also write workers' compensation policies on many farms.


Owatonna Mutual Fire Insurance

Owatonna Mutual Fire Insurance Company

Owatonna Mutual is locally controlled, owned by the policyholders, and offers insurance coverages in the local area at affordable rates. Farm liability insurance can be tailored to your specific needs, from a family farming operation to large corporate confinement operations. Personal liability and owners', landlords', and tenants' liability coverage can also be incorporated into your policy.









EMC Insurance

EMC Insurance
www.emcins.com

The best way to protect your company’s assets is to find an insurance company that understands your business needs. EMC Insurance Companies, represented by a local independent insurance agent in your community, is that company. We offer competitively priced insurance products to protect your business. These products are combined with local loss control services to help you prevent losses and claim services to get your business back on its feet in the event of a claim. EMC Choice Businessowners and the EMC Choice industry-specific products combine the most needed property and liability coverages for businesses. Special group programs offer enhanced protection and targeted loss control services for selected classes of businesses.


RAM Mutual Insurance

RAM Mutual Insurance
www.rammutual.com

RAM offers a full line of commercial insurance products so you can choose the coverage that is right for you. 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 covers the usual needs for a typical business and gives you many options to customize the policy. Equipment breakdown is included with the property coverages. The Commercial Package 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.


IMT Insurance

IMT Insurance
www.imtins.com

Our Businessowners Policy is an insurance program tailored specifically to meet your needs as a small to medium-sized business owner. It is designed for you, your business and your peace of mind. Insuring your business with The IMT Group means protection for your buildings, business personal property and liability exposures. Automatic coverage for exterior glass windows, valuable papers, accounts receivable and increased costs of construction due to building codes or laws are just a few of the ways our program meets your needs. The Businessowners Policy is proof of what it means to "Be Worry Free with IMT".

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Contact Information

The Hohenstein Agency
3095 County Road 45 South
Owatonna, MN 55060

Telephone: 507-444-6246
Fax: 507-444-6341



Links and Resources

Blue Cross & Blue Shield of MN

EMC Insurance

EMC National Life

Foremost Insurance Group

Hagerty Insurance

IMT Insurance Group

RAM Mutual Insurance

Travelers Insurance