Business Assurance in Red Wing, Lake City, Ellsworth & Lutsen

Small, mid-size, or large, we’re in the business of protecting your business.

Let's Talk About Your Future

The MBA Business Insurance Experience

At the Musty-Barnhart Agency, we believe that purchasing business insurance is about the value you receive, not just the price you pay. Our exceptional customer retention speaks for itself—it’s all about relationships! We’re committed to being there for our clients across various industries, including the hotel/motel industry, non-profit organizations, contractors, manufacturing, restaurants, and workers’ compensation. Our clients trust us to provide reliable support whenever they need it.

We take a broad, generalist approach to business insurance, offering a wide range of products, carriers, and services. Whether you’re in hospitality, manufacturing, or any other sector, we’re here to help you create a customized insurance program that meets your unique needs.

Group cheer

Our Professials are here to help

A woman with long brown hair, wearing a black shirt and hoop earrings, sits on a wooden bench outdoors, smiling at the camera with green grass in the background—perfect for a welcoming Insurance agency profile photo.

Lindsay Kubes

Commercial Lines Manager
CIC, CISR
Business Insurance Sales
lindsay@mustybarnhart.com
A smiling man in a dark suit and glasses sits on a park bench, with greenery and flowers in the background, perhaps enjoying a break after meeting with local insurance agents.

Bob Kubes

Agency Partner
CIC
bob@mustybarnhart.com
A woman with long brown hair, wearing a black blazer and brown top, smiles while seated indoors at an insurance agency. The background features a stone fireplace and large window with natural light.

Michelle Hurlbut

Commercial Lines Account Manager
CIC, CISR
michelle@mustybarnhart.com
A woman with straight brown hair and a black blazer sits on a park bench, smiling, as if waiting to meet local insurance agents, with green bushes and colorful flowers in the background.

Katie Robinson

Commercial Lines Account Manager
katie@mustybarnhart.com

Here is an example of what some of our customers say about working with us.

“Musty Barnhart Agency has been one of the best partnerships we have made as a business. I thought it was impossible to find an insurance company that still operates with a personal touch. They are always responsive; I can get ahold of Bob whenever I have a pressing issue. His entire team treats us as truly valued clients. Not only do they actually answer the phone, but they are always willing to educate, explain or assist with whatever we need.”
Three people in business attire sit at a table reviewing financial charts and documents, holding pens and papers, as local insurance agents discuss information in a well-lit office with a tablet and laptop visible.

Targeted Products and Services for:

A large two-story lodge with tan and brown wood siding, stone accents, and a central stone chimney, home to local insurance agents, is surrounded by green grass and tall trees, with red chairs on the stone patio.

Resort Hotel/Motel Industry

  • Small or large
  • Property management exposures
  • Guides/Outfitters
  • Climbing walls, archery, hunting, fishing, hiking, kayaking/canoeing, Zip Lines
  • Industry compliance assistance
  • Townhome/Condominiums Associations w/short term rentals
  • Share Ownership
  • Properties
  • Vacation Rentals
  • For Profit D&O
  • Risk Management/Loss Prevention/Safety programs assistance and implementation
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Non-Profit Organizations – All types and sizes

  • Directors & Officers Liability
  • Special Events and Activities
  • Buildings and Personal Property
  • Collectibles/Museum floaters
  • Coverage for fundraising events
  • Property of Others
Contractor showing off plans

Contractors

  • Home Builders (Including General Contactors)
  • HVAC
  • Excavation
  • Electrical Contractors
  • Nurseries Including
  • Landscaping
  • Plumbing
  • Contractors E&O
  • Pollution Coverage
  • Builders Risk
A wide view of an industrial factory interior with large metal machinery, conveyor belts, and stacked materials under a high ceiling with steel beams and bright lighting—just the type of facility local insurance agents or your trusted insurance agency can help protect.

Manufacturing

  • Cabinet Shops
  • Metal Goods
  • Food Products
  • Metal Goods/Fabricating
  • Food Products
Inside a Restaurant

Restaurants

  • Dining including Liquor
  • Liability
  • Cafés
  • Bakeries
  • Delis
  • Catering
  • Food Trucks
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Med Spa

  • Professional Liability
  • General Liability
  • Coverage Tailored based on services provided

For Immediate Assistance Call

We are ready to protect your business. Talk to one of our multi-state licensed agents today