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Homeowner’s coverage doesn’t have to be difficult to understand. A basic

Homeowners Insurance Policy will cover the following:

  •  The structure of your home

  •  Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability


You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Water/Sewer Back Up

  •  Equipment Breakdown and Service Line Coverage

Types of Policies

  •  Standard Homeowners Policy

  •  High Value Homeowners Policy

  • Renters Insurance Policy

  • Long-Term Rental Insurance Policy


  •  Farm and Ranch 

  •  Vacant Home 

  • Under Construction (Builders Risk)

  • Seasonal Dwelling



The insurance protection you need when you’re on the move.

  • Bodily Injury Liability - Pays costs associated with injuries to the other person if you're at fault.

  • UM/UIM Liability - Pays for injuries caused by other party who has no insurance, or not enough. 

  • Personal Injury (PIP) - Pays costs of your own injuries regardless of fault. Also called no-fault coverage in Minnesota.

  • Property Damage - Pays to cover cost of damages to someone else's property if you're at fault.

  • Comprehensive - Pays for damage to your vehicle not caused by a collision. 

  • Collision - Pays to repair or replace your vehicle if its damaged in an accident. 

  • Rental Reimbursement - Pays for cost of rental car while your vehicle is being repaired. 

Types of Policies

  • Auto Insurance – insurance coverage for your car, truck, van or other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.


  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

Life insurance is about providing for the people you care about most. It pays them a sum of money you choose and may help protect them from the financial impact of your death.


These funds can help your loved ones pay monthly living expenses, stay in their home and pay off debts, including final expenses. It can also help send a child to college one day, continue a family business or leave a legacy for your favorite charity.

We offer two basic types of Life Insurance

Term Life Insurance

Provides affordable coverage for a specific period of time.  Payment amounts don't change for the guaranteed premium period.


Typically, proceeds from a Term Life policy may be used to cover needs like:


  • Pay off mortgage on your home

  • Provide an emergency fund

  • Help provide for a child's education fund

  • Pay off personal debts 

Permanent Life Insurance

Provides protection that lasts a lifetime or for the life of the policy. It may build cash value that can be used even when you are living. 


Typically, permanent insurance is used to cover long-term needs like:


  • Pay for final expenses

  • Provide an ongoing income for your family

  • Supplement retirement

  • Fund an estate or business continuation plan


Business Insurance is a crucial part of operating your own company.  Maintaining Commercial General Liability can help protect you against unseen circumstances that may arise. 

  • General liability insurance guards against claims of negligence. It protects the business, big or small, and its owner(s) from financial loss when a customer or employee sues for negligence.

  • General liability insurance also includes the policy carrier's responsibility to provide an attorney to represent the company in court and to pay the claim if one is awarded.

  • There are many aspects that go into Business Insurance so if you are looking at obtaining a policy it is recomended that we work together to make sure your policy is customized to the exact specifications of your business.  Every business is different and there are many needs each business class requires. 

Types of Policies

  • Liquor Liability

  • Event Liability

  • Commercial Inland Marine

  • Bonds

  • Builders Risk

  • Crime/Fidelity

  • Cyber Liability

  • Business Owners Policy (BOP)

  • Commercial General Liability (CGL)

  • Workers Compensation

  • Commercial Automobile

  • Errors and Omissions (Professional Liability)

  • Commercial Umbrella 

Workman Insurance Agency is extremely proficient in the many complexities that come with Commercial Insurance policies, and we have the knowledge to service your needs.  From Certificates of Insurance, to experience mods on your work comp, we understand the ins and outs of servicing commercial insurance accounts. 

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