Minnesota Research, Development and Testing Laboratory businesses pay $110–$550/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Minneapolis | $143–$715/mo | Compare → |
| Saint Paul | $138–$688/mo | Compare → |
| Rochester | $116–$578/mo | Compare → |
| Duluth | $110–$550/mo | Compare → |
| Bloomington | $130–$649/mo | Compare → |
| Brooklyn Park | $126–$633/mo | Compare → |
| Plymouth | $132–$660/mo | Compare → |
| St. Cloud | $108–$539/mo | Compare → |
| Eagan | $130–$649/mo | Compare → |
| Coon Rapids | $123–$616/mo | Compare → |
| Hennepin County | $143–$715/mo | Compare → |
| Ramsey County | $138–$688/mo | Compare → |
| Dakota County | $126–$633/mo | Compare → |
| Anoka County | $121–$605/mo | Compare → |
| Washington County | $123–$616/mo | Compare → |
| Scott County | $121–$605/mo | Compare → |
| Carver County | $123–$616/mo | Compare → |
| Olmsted County | $116–$578/mo | Compare → |
| St. Louis County | $110–$550/mo | Compare → |
| Stearns County | $108–$539/mo | Compare → |
Research, Development and Testing Laboratory businesses in Minnesota typically pay $110–$550/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Minnesota doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Research, Development and Testing Laboratory businesses, key covered scenarios include: Patient injury or adverse outcome claim; HIPAA data breach and privacy violation; Slip and fall in waiting room.
Top exposures: (1) Patient injury or adverse outcome claim, (2) HIPAA data breach and privacy violation, (3) Slip and fall in waiting room, (4) Medical equipment malfunction.
Top carriers in Minnesota for Healthcare & Medical businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Research, Development and Testing Laboratory policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Minnesota cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.