Commercial Property Insurance

Serving the unique needs of businesses in Dakota County and all of Minnesota, Iowa and Wisconsin

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Butler Vet Insurance can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today

Dakota County - What you need to know about commercial property insurance

Building

Do you own a commercial building?  If so, do you have enough commercial property insurance to cover replacement costs?  Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Butler Vet Insurance a call (Contact Us Link) today at 952-953-3838 and we’ll help you determine if you have enough commercial property insurance for your business.

Flood

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Butler Vet Insuranceto review your coverage, and we’ll help you find the best solution.

Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

Business Income (Business Interruption Coverage)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed.  It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Butler Vet Insurance strongly recommends that all businesses acquire this coverage.

Electronic Data Processing (EDP)

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

Based in Minnesota, Butler Vet Insurance understands the business insurance needs of our customers. The right coverage for you is unique – call us at 952-953-3838 today to find out how to protect your business and your future with the right insurance.

You care about protecting animals.
We care about protecting your business.

Reviews

  • "We have worked with Bill Butler as our hospital and work comp insurance broker for the last few years, and we could not be more pleased with his service. He gives his honest opinion based on experience about where our dollars will be best spent and about the types of coverage we need, and when there have been disputes with our insurance company he has gone to bat on our behalf.  For these reasons he has earned our loyalty and I don't foresee that changing, and I predict that other veterinary hospitals will have a similar experience if they do decide to work with him"-Kelby Howell Practice Manager Blue Cross Animal Hospital. Client Since 2015
  • "Hi Bill, I just wanted to say thank you for coming out and giving me a quote for insurance.  I really appreciate the time that you took to gather information and communicate with the underwriters about our coverage.  You really took the time to educate me on our coverage and give me recommendations for the future.  Even though I can’t make a change this year because we ran out of time, I will definitely have you come back next year.  We will allow extra time next year.  Thank you again for providing great customer service!"-Sherry Foster Practice Manager / Owner Southview Animal Hospital
  • "I was interested in finding a new insurance agency to meet the needs of our business. I had been listening to the radio and heard of another company. I called them and they stated they did not work with the type of business that I have, and they recommended Butler Insurance. Oddly enough Bill had stopped by our business and dropped off some information the week before. I contacted Bill and after our first meeting, I knew I would be changing our insurance needs over to Butler Insurance. My goal was to find an excellent insurance agency, to find someone who would listen to my needs, and to educate me on what I needed, to keep my business and staff protected. Bill met all of this and has exceeded my expectations. I look forward to a long healthy business relationship! "-Dan Cederstom DVM Park Grove Pet Hospital Client Since 2018
  • "I have been impressed with Bill’s honest communication style; he’s a good guy who doesn’t pull any punches. He strikes me as very knowledgeable and hard-working, and I have no doubt that he does his absolute best for his clients."-Heidi Brenegan Chief Marketing Office Animal Emergency & Referral Center Of Minnesota
  • "I needed help with my insurance and Bill exceeded my expectations. His knowledge of my business (Veterinarian) needs helped me save a ton over last year. Thanks Bill!"-Sven Kohlmyer DVM/Owner Wayzata Pet Hospital Client Since 2018
  • "My wife and I have owned our veterinary clinic since the late 90's and have been in the business for over 40 years. Bill is the knowledgeable insurance agent I have ever know. When I met Bill, if I had not know he was an insurance professional, I could have easily been convinced that he owned a veterinary practice - he was that informed about our profession. Bill is hard working and thorough as well as ethical. I would highly recommend him for your insurance needs."-David Hermann DVM/ Owner Cleary Lake Animal Hospital Client Since 2019
  • "We are so happy to have found Bill Butler to help us with our business insurance needs. He is knowledgeable and helpful at explaining products which may apply to our veterinary practice. I am glad to be working with someone who is part of my community.  I feel confident that Bill will be there for us if we ever need him and that he is the right fit for our established St. Paul small business. Of course my favorite thing about Bill is how much he loves our clinic cat, Chou Chou!"-Anne Brownlee DVM/Owner Grand Avenue Veterinary Center Client Since 2018
  • "Bill recently took over our business insurance needs. Insurance is confusing and Bill explained things in a manner that made sense. I'm so happy we made the transition and highly recommend Bill and Associates! "-Amanda Foss – Practice Manager Grand Avenue Veterinary Center – Client Since 2018
  • "I had the pleasure of meeting Bill at the October VHA expo and was so happy that he followed up with us after our initial meeting. After meeting with Bill, we realized he is one who knows the veterinary insurance industry inside and out! He is an individual who is very thorough, provides easy to understand advice, and follows through with what he says! We switched our business and workman's comp insurance to the Butler agency due to the excellent service Bill provided in just the short time we have known him. Highly recommend Bill and the Butler Agency!"-Dr. Julie Berndt DVM Minnesota Valley Pet Hospital Client Since 2019
  • "Excellent communication, service, products and pricing. I highly recommend!!"-Dr Dan Soderberg Blaine Central Veterinary Clinic Client Since 2019

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