Commercial Property Insurance
Coverage for buildings, equipment, and inventory against the hail, wind, snow load, and fire risks Minnesota property faces.
Minnesota commercial property takes a beating: hail on flat roofs, straight-line winds, heavy snow loads, and deep-freeze weeks that stress sprinkler systems and pipes. Todd writes commercial property coverage for owner-occupied buildings, leased spaces, shops, and storage, with attention to replacement cost, roof age, and how your carrier treats wind and hail deductibles. He also makes sure business personal property, the equipment, tools, and inventory inside the walls, is scheduled realistically instead of guessed at. When a storm rolls through Wright County, you want the valuation questions already answered.
What Todd looks at
- Building and business personal property coverage
- Wind and hail deductible review
- Snow load and winter risk guidance
- Realistic replacement cost valuations
Not sure what you are carrying today? Send Todd your current declarations page and he will read it back to you in plain language.
Call (612) 500-5215Where Todd writes commercial property insurance
Todd writes commercial property insurance across the northwest Twin Cities metro.
Questions Todd gets asked.
How do wind and hail deductibles work on commercial buildings?
Many Minnesota carriers apply a separate wind and hail deductible, often a percentage of the building limit, that is higher than your standard deductible. On a commercial roof that number matters a lot. Todd shows you the actual dollar exposure under each carrier's structure before you commit.
Is my equipment covered if it is stolen from a job site or vehicle?
Commercial property coverage is generally tied to your described premises. Tools and equipment that travel need inland marine coverage. Todd looks at where your property actually lives and works, then matches the coverage to it.
Does my landlord's insurance cover my business space?
Your landlord's policy covers the building, not your improvements, equipment, or inventory. Your lease may also make you responsible for certain damage. Todd reads the insurance clauses in your lease and builds your coverage to match what you actually signed.
Other coverage Todd writes.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn morePersonal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn moreCommercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
Learn moreBusiness Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
Learn more