Commercial property insurance that protects where you do business.

Whether you own an office building, a retail space, or a workshop, your property is one of your business’s biggest assets. Commercial property insurance helps protect your building, equipment, and everything that keeps your operation running. We work with businesses across Minnesota—including Rochester and surrounding communities—to build coverage that’s grounded in real-world risk.

What does commercial property insurance cover?

Building and Structure Coverage

A black and white drawing of a building with trees in front of it.

Covers damage to the physical structure of your business location, whether you own a standalone building or part of a commercial complex.

  • Fire, lightning, and storm damage
  • Vandalism or accidental breakage
  • Replacement or repair of structural elements

Business Personal Property

A black and white drawing of a living room with a table and chairs.

Protects the contents inside your business—furniture, inventory, equipment, and supplies—from damage or loss.

  • Office equipment and electronics
  • Tools, inventory, and furnishings
  • Property damaged during covered events

Business Interruption Insurance

A black and white icon of a sign with an x on it.

Reimburses lost income if your business is temporarily shut down due to a covered event, such as fire or severe storm.

  • Lost revenue during repairs
  • Relocation expenses
  • Payroll continuation

Equipment Breakdown Coverage

A black and white drawing of a lightning bolt in a circle.

Optional protection for critical systems that power your business. Covers repair or replacement of equipment damaged by electrical or mechanical failure.

  • HVAC, refrigeration, or computers
  • Manufacturing or shop equipment
  • Power surge and short circuit damage

Common questions about commercial property insurance.

  • Is commercial property insurance required in Minnesota?

    It’s not required by law, but most lenders or landlords will require it—and it’s essential protection for any physical business space.

  • Does this cover natural disasters like hail or wind?

    Yes, standard policies cover many weather events. We’ll help clarify exclusions and make sure your location is fully protected.

  • What if I lease my space?

    You still need to protect what’s inside—equipment, furniture, and inventory. Tenants often need “contents-only” coverage.

  • Can I combine this with other business policies?

    Absolutely. Many clients bundle property, liability, and business interruption into one package for better coverage and savings.

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