Ram Mutual: Real Estate Insurance Appetite
Ram Mutual is a standard/admitted carrier. RAM Mutual operates in Minnesota and North Dakota. Commercial lines expansion into North Dakota began in 2014.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
| Employment Practices Liability |
Premium Range
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Typical annual premium
Target States
MN, ND
Key Features
- Business Partners (BOP): Intended for small to medium-sized retail and service risks
- Commercial Package Policy (CPP) (includes Tech-enhanced equipment breakdown)
- Commercial Auto: Offers policies for a variety of businesses including cabinet makers, plumbers, electricians, carpentry, and catering.
- Workers Compensation: Provides coverage for employees as required by law
Limitations
- Available in 2 states only — verify availability in your state
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