Commercial Property · Minnesota
A fire, severe storm, burst pipe, or break-in can shut down a business overnight. Commercial property insurance protects the physical assets your business depends on — the building, equipment, inventory, and more — so a loss doesn't become a permanent closure.
What's Covered
A fire, severe storm, burst pipe, or break-in can shut down a business overnight. Commercial property insurance protects the physical assets your business depends on — the building, equipment, inventory, and more — so a loss doesn't become a permanent closure.
Covers the structure of your business location — whether you own the building or are responsible for tenant improvements. Coverage should reflect replacement cost, not market value.
Covers your furniture, equipment, inventory, and other contents at your business location. Replacement cost coverage ensures you get what items actually cost to replace today.
Covers lost revenue and continuing expenses if a covered loss forces you to close temporarily. One of the most important and most underestimated commercial coverages — many businesses don't survive extended closures.
Pays additional costs you incur to keep operating after a covered loss — renting temporary space, expediting equipment repairs, overtime labor. Often included with business income coverage.
Covers damage to boilers, HVAC systems, electrical equipment, and other machinery from mechanical or electrical breakdown — events excluded from standard property policies.
Signs, fences, landscaping, and property outside your building may have separate or lower sublimits under a standard policy. We review these with you to make sure nothing important is missed.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Replacement cost — always. Market value reflects what someone would pay for the property, which is often much less than what it would actually cost to rebuild after a fire or severe storm. Being underinsured at claim time is a costly mistake.
No. Standard commercial property policies exclude flood and earthquake. If your business is in a flood-prone area or near a fault line, you'll need separate coverage. We can help you evaluate your risk.
Yes — you're responsible for your contents and any tenant improvements you've made to the space. You may also be required by your lease to carry property and liability coverage. We'll review your lease requirements.
If a covered loss forces you to close, business interruption coverage pays your continuing expenses (rent, payroll, utilities) and the revenue you would have earned during the closure period — up to your policy limits and the restoration period.
