Business insurance that works as hard as you do.
Whether you’re on the job site or organizing a community event, your business deserves coverage that understands the real risks you face. At Ted W. Smith Insurance Services, we build business insurance plans that protect your work, your people, and your peace of mind. We serve commercial clients across Rochester, MN, and throughout Minnesota, Iowa, and Wisconsin.
Questions about business insurance? Let’s break it down.
What types of businesses do you insure?
From contractors and farms to daycare centers and hunting clubs, we offer insurance solutions for a wide range of operations—both common and niche.
How do I know what type of coverage my business needs?
We’ll take time to understand how you work and what risks you face. Then we’ll build a custom plan that covers what matters most—without any fluff.
What if I already have a policy somewhere else?
No problem. We’ll review your current plan for gaps or overlaps and help you switch smoothly if it’s the right move for your business.
Can I get liability and property coverage under one plan?
Yes, many of our commercial clients benefit from bundled coverage. We’ll help you combine what makes sense for better protection and often, better pricing.
Do you offer specialty insurance for events or nonprofits?
Absolutely. We provide tailored policies for parades, festivals, hunting clubs, and directors & officers coverage for leadership teams.
What happens if I need to file a claim?
We’re here to guide you through it. From getting you the right contact info to helping you navigate next steps, we’re with you the whole way.
