We Are Leaders in Business Insurance

Midwest Family Mutual has been protecting businesses since 1891. We understand that business insurance can be complicated, but with our comprehensive Businessowners form we make it simple. When you’re insured with MFM, you have the peace of mind knowing that a tailored insurance solution has been developed by a top notch Independent Agent to meet the unique needs of your business.


hour claim response


Agents across 24 states


Excellent rating by A.M. Best

Our Businessowners Program is offered in all 24 of our states

Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Utah, Washington, Wisconsin and Wyoming 

MFM understands how important your insurance decisions are to the success of your business

We offer an array of products that help you prepare for the unexpected and designed for most retail or service businesses. We work exclusively with Independent Agents because we believe they are uniquely positioned to provide you with unbiased advice placing you with MFM only if we’re the right fit.

Have Questions?


PO Box 9425
Minneapolis, MN 55440

Eligible Classes

  • Appliance
  • Auto Parts
  • Bakeries
  • Barbers / Beauticians
  • Book Stores
  • Bowling Alleys
  • Breweries
  • Car Washes
  • Clothing Stores
  • Coffee Shops
  • Computer Stores
  • Condominium
  • Convenience Stores
  • Delis / Sandwich Shops
  • Department and Discount Stores
  • Drug Stores
  • Dry Cleaners / Laundries
  • Feed Manufacturers
  • Fertilizer Dealers / Distributors
  • Fine Dining
  • Florists
  • Franchise Restaurants
  • Furniture
  • Funeral Homes
  • Gas Dealers / Distributors
  • Gift Shops
  • Golf Courses
  • Gourmet Coffee Shops
  • Grain Elevator Operations
  • Grocery
  • Hardware / Lumber Yards
  • Jewelry Stores
  • Landlord Property Risks
  • Lessor Risks
  • Liquor Stores
  • Metal Goods Manufacturing
  • Mini Storage Warehouses
  • Motels / Hotels
  • Movie Theaters
  • Non-Franchise Restaurants
  • Offices
  • Pet Stores
  • Pizza Parlors
  • Plastic Goods Manufacturing
  • Produce Dealers
  • Shopping Centers
  • Spirits / Distilleries
  • Sporting Goods
  • Taverns / Bars
  • Townhouse Associations
  • Wineries
  • Wood Products Manufacturing
  • And Much More

Coverage Offerings

  • Liability: Bodily Injury, Property Damage, Products and Completed Operations, Medical Payments, Fire Legal, Personal Injury, Advertising, Liquor Liability, Crime, Employee Practices, Employee Benefits, Contractual Liability
  • Property: Building, Personal Property, Business Income, Extra Expense, Debris Removal, Equipment Breakdown
  • Optional Coverages: Replacement Cost, Accounts Receivable, Money and Securities, Employee Dishonesty, Valuable Papers and Records, Food Spoilage, Hired and Non-Owned Auto Liability, Computer Coverage, Contractual Liability, Outdoor Signs, Customers' Goods, Sewer Backup, Blanket Additional Insured, Waiver of Subrogation, Ordinance and Law
  • And Much More

Ultimate Property Endorsement

  • Includes the following coverages for a single premium: Accounts Receivable, Business Income, Electronic Data, Employee Dishonesty, Fine Arts, Fire Department Service Charge, Forgery or Alteration, Increased Cost of Construction, Lock Replacement, Money and Securities, Money Orders and Counterfeit Money, Newly Acquired or Constructed Property, Outdoor Property, Outdoor Signs, Personal Effects, Personal Property Off-Premises, Reward, Sewer Backup, Spoilage Coverage, Tools, Value Papers and Records

Ultimate Liability Endorsement

  • Includes the following coverages for a single premium: Bail Bonds, Loss of Earnings, Automatic Liability Coverage, Damage to Property / Borrowed Equipment, Blanket Additional Insured, Damage to Premises Rented to You, Contractual Liability-Railroad, Blanket Waiver of Subrogation

Ready to get started?

MFM partners with hundreds of the most professional independent insurance agents in the industry across 24 states. Working with an independent agent representing MFM is the best way to determine what coverages are right for your business.

Locate an Agent