Commercial Property Insurance
Coverage for the building, the equipment, and the inventory that your business cannot operate without.
Whether you own your building or lease your space, the physical side of your business needs protection sized to Minnesota weather: hail on the roof, wind against the signage, a frozen sprinkler line over the inventory. Todd writes commercial property coverage for buildings, tenant improvements, equipment, tools, and stock, with replacement cost valuations that reflect what things actually cost to replace today. For businesses that lease, he sorts out what the landlord's policy covers versus what is on you, a distinction that surprises a lot of tenants after a loss instead of before one.
What's Included
- Building and tenant improvement coverage
- Equipment, tools, and inventory protection
- Replacement cost valuation reviews
- Lease requirement review for tenants
Commercial Property Insurance Service Areas
We provide commercial property insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
My landlord has insurance on the building. What do I need as a tenant?
The landlord's policy covers the landlord's building, not your equipment, inventory, improvements you paid for, or your liability. Most leases also contractually require tenants to carry specific coverage. Todd reads the lease requirements and matches the policy to them.
Is my equipment covered when it leaves the shop?
Standard commercial property coverage is tied to your location. Tools and equipment that travel to job sites usually need inland marine coverage, which Todd can add so your gear is protected wherever the work is.
How should I value my building for insurance?
On replacement cost: what it would take to rebuild at current construction prices, not the assessed or market value. Construction costs have moved a lot in recent years, so Todd revisits valuations at renewal rather than letting them drift.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →