Independent Guidance
Business Insurance across Minnesota, Wisconsin & Missouri.
Personal service for clients throughout Minnesota, Wisconsin, and Missouri from our Andover, Minnesota office, with options from multiple insurance companies.
From contractors and retailers to home-based businesses and professional offices, every business carries different risks. David takes the time to learn how your business operates before he shops your coverage.
Working with an independent agent means David can look at options across multiple insurance companies and help you understand how each policy fits your business today and as it grows.
Common Coverages
What David can help you compare.
Every policy is different. Availability and terms vary by insurance company, and David will explain the details of each option.
General liability
Helps protect your business against claims of bodily injury or property damage to others.
Commercial property
Coverage for your building, equipment, inventory, and other business property.
Business owner’s policy
A package that often combines liability and property coverage for small businesses.
Commercial auto & workers’ comp
Coverage options for vehicles used in your business and for employees injured on the job.
Business Insurance Coverage Options
Commercial coverage for nearly every kind of business.
Choose a category to explore the coverage David can shop for your business in Minnesota, Wisconsin, and Missouri. Availability and terms vary by insurance company.
Core Business Coverage
The foundation most businesses start with, from sole proprietors to growing teams.
Business Owners Policy (BOP)
A cost-effective package that combines general liability and property coverage for small and mid-sized businesses.
General Liability Insurance
Helps protect against claims of bodily injury, property damage, and advertising injury to others.
Commercial Property Insurance
Covers your building, equipment, inventory, and furnishings after fire, theft, storms, and other covered losses.
Business Interruption Insurance
Helps replace lost income and pay ongoing expenses if a covered loss forces you to close temporarily.
Workers' Compensation Insurance
Covers medical care and lost wages for employees injured on the job, as required in most states.
Commercial Auto Insurance
Liability and physical damage coverage for cars, vans, and trucks used for your business.
Property & Specialized Property
Protection for buildings under construction, equipment on the move, and natural disasters.
Builder's Risk Insurance
Covers buildings and materials under construction or renovation until the project is complete.
Commercial Inland Marine Insurance
Protects tools, equipment, and property that travel between job sites or are in transit.
Commercial Flood Insurance
Flood protection for business property, which standard commercial property policies typically exclude.
Commercial Earthquake Insurance
Coverage for earthquake damage to buildings and contents, a peril usually excluded from property policies.
Liability & Risk Protection
Higher limits and targeted coverage for the risks a standard policy may not fully address.
Commercial Umbrella Insurance
Adds extra liability limits above your general liability, auto, and employer liability policies.
Commercial Excess Insurance
Additional limits that sit above a specific underlying policy for large or unexpected claims.
Product Liability Insurance
Protects manufacturers, distributors, and retailers against claims that a product caused injury or damage.
Liquor Liability Insurance
Coverage for businesses that sell, serve, or furnish alcohol, if an intoxicated patron causes harm.
Cyber Liability Insurance
Helps with costs from data breaches, ransomware, and cyberattacks, including notification and recovery.
Management & Professional Liability
Protection for the decisions, advice, and people that run your organization.
Professional Liability (Errors & Omissions) Insurance
Covers claims of negligence, mistakes, or failure to deliver professional services as promised.
Directors & Officers Liability Insurance
Protects company leaders and board members against claims tied to their management decisions.
Employment Practices Liability Insurance (EPLI)
Coverage for claims such as wrongful termination, discrimination, and harassment.
Medical Malpractice Insurance
Professional liability for physicians, clinics, and healthcare providers facing patient claims.
Kidnap & Ransom Insurance
Specialty protection for businesses and executives that travel or operate in higher-risk areas.
Transportation & Logistics
Coverage for the fleets, freight, and facilities that keep goods moving.
Commercial Trucking Insurance
Liability, physical damage, and related coverages for owner-operators and trucking fleets.
Cargo Insurance
Protects the goods and freight you haul against loss or damage while in transit.
Garage Insurance
Liability coverage for auto dealers, repair shops, service stations, and towing operations.
Warehouse & Distribution Insurance
Coverage for storage facilities, stored goods, and the liability of handling customer property.
Industry-Specific Programs
Tailored coverage packages built around the way your industry actually operates.
Contractor's General Liability Insurance
Liability protection for general contractors, subcontractors, and trades that meets job requirements.
Manufacturer's Insurance
Coverage for production facilities, equipment breakdown, products, and supply chain risks.
Restaurant & Bar Insurance
A package for dining and hospitality businesses, including property, liability, and food spoilage.
Hotel & Motel Hospitality Insurance
Protects lodging properties, guests, and operations, from property damage to guest injuries.
Technology Insurance
Coverage for tech firms and IT providers, including errors and omissions and cyber exposures.
Farm / Agribusiness Insurance
Protection for farm property, livestock, equipment, and agricultural operations.
Vineyard & Winery Insurance
Specialized coverage for vineyards, wineries, tasting rooms, crops, and wine inventory.
Church Insurance
Property and liability coverage designed for houses of worship, staff, and volunteers.
Non-Profit Insurance
Coverage for charitable organizations, including liability, property, and board protection.
Special Event Insurance
Short-term liability coverage for festivals, fundraisers, weddings, and one-time events.
Ownership, Key People & Bonds
Plan for the unexpected and meet the bonding requirements of contracts and licenses.
Key Person / Employee Insurance
Helps your business recover financially from the loss of an owner or essential employee.
Buy-Sell Protection
Funds an ownership agreement so remaining partners can buy out a departing or deceased owner.
Surety Bonds
License, permit, contract, and performance bonds that guarantee your obligations to clients and agencies.
Before You Shop
Things worth talking through with David.
- The type of work your business performs
- Employees, subcontractors, and payroll
- Business vehicles, tools, and equipment
- Contract or lease insurance requirements
Frequently asked questions
Do you work with home-based and very small businesses?
Yes. Whether you’re a sole proprietor or a growing team, David will take a look at your needs and shop available options.
Can you review my current business policy?
Absolutely. Send David a note about your business and current coverage, and he’ll follow up to talk through it.
Other Coverage
Ready for a simpler way to shop insurance?
Tell David a little about what you need. He’ll personally shop your options and follow up with you.