Minnesota does not require one insurance policy for every business. Employers generally must carry workers’ compensation insurance or qualify to self-insure. Motorized vehicles must be insured, and licensing rules, leases, lenders, or customer contracts may require additional coverage.
https://www.dli.mn.gov/business/workers-compensation/work-comp-mandatory-coverage-information
https://mn.gov/commerce/insurance/industry/small-business/auto.jsp
https://www.dli.mn.gov/business/get-licenses-and-permits/certificates-insurance
