Commercial Property Insurance
Buildings, equipment, and inventory protected against hail, wind, fire, and winter damage.
Your building and everything in it face the same Minnesota weather your house does, with more zeros attached. Hail on a commercial roof, a frozen sprinkler line over a long weekend, or wind damage to signage can put a serious dent in a small company. Todd builds commercial property coverage for owners and tenants across the northwest metro, covering buildings, equipment, inventory, and the income you lose while repairs happen. He compares carriers and explains the deductibles and valuation methods so the policy holds up when you need it.
What's Included
- Building and contents coverage
- Business income options
- Hail and wind deductibles explained
- Owner and tenant policies
Commercial Property Insurance Service Areas
We provide commercial property insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
I lease my space. Do I still need property coverage?
Your landlord insures the building, not your equipment, inventory, or improvements. Most leases also require you to carry your own coverage. Todd reads the insurance section of your lease with you and matches the policy to it.
What happens if a covered loss shuts my business down?
Business income coverage replaces lost revenue and covers ongoing expenses while you rebuild or relocate. For a small business, it is often the difference between a hard season and closing for good.
How are hail claims handled on commercial roofs?
Roof age, material, and valuation method (replacement cost versus actual cash value) drive the outcome. Todd makes sure you know how your roof would be treated before you ever file.
Other Services
Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
Learn more →Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
Learn more →