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Our
Products and Services
Personal Lines
Commercial Lines
Personal
Lines
Home Insurance
RAM offers a variety of policies to insure dwellings
in Minnesota. In cooperation with the Minnesota
township mutuals, we offer a package policy for
dwellings occupied by the owner, tenant’s policies
and seasonal dwellings. RAM also offers a direct
homeowner’s policy
in areas where township mutuals do not
write.
Farm Insurance
RAM insures farms in cooperation with the Minnesota
township mutuals by providing a package policy. We can
insure most types of farming operations. There is an
extensive list of options available for various
types and sizes of farming operations. We also write
workers’ compensation on many farms.
Auto Insurance
RAM offers a personal auto program at competitive
rates for Minnesota drivers with good driving and
loss records.
Liability Insurance
We offer personal liability insurance at limits up
to $1,000,000 for homes and farms. Limits up to
$500,000 are available under our owners’,
landlords’, and tenants’ policy. Additional limits
may be available under our personal umbrella policy.
Inland Marine Insurance
RAM has inland marine coverage (both commercial
and personal) available for many classes of unique
property that is not usually covered by the basic
contracts.
Personal Umbrella Insurance
Personal umbrella coverage may be available for
those who need higher limits of liability than
offered under our basic contracts. In some cases,
the personal umbrella will provide “drop down”
coverage for losses not covered under the basic
contract.
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Commercial
Lines
Business
Owners’ Policy (BOP)
The business owners’ policy is intended for small to
medium-size retail
and service risks. The business owners’ policy is
not intended for manufacturing risks or risks where a
high percentage of service or installation work is
done off-premises. This type of policy package
coverages usually needed for a typical business and
gives you many options to customize the policy for
your particular business needs.
Commercial Package Policy
(CPP)
This policy can be used to insure larger and more
diverse businesses than the BOP policy. Coverages are
packaged but allow the business owner to select those
coverages needed for their business. Many options are
available to customize the product for your needs.
Commercial Auto
RAM can often provide coverage for your commercial
autos if the rest of your business is insured with
RAM. In some cases, we can insure commercial farm
vehicles even if we do not insure the farm.
Commercial Property
By using a commercial property policy, you can
choose to insure just your commercial property and not
the liability portion of your risk.
Commercial Liability
By using our commercial liability policy, you can
choose to insure just your commercial liability
exposure and not insure your property exposure.
Workers’
Compensation
RAM can provide workers’ compensation for many
businesses.
Commercial Umbrella (CU)
If RAM provides the underlying commercial coverages we
can usually offer a commercial umbrella with limits of
up to $2,000,000. In addition to higher liability
limits, the commercial umbrella offers “drop down” coverages in some situations.
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