Vacant Property Insurance

Vacant Property Insurance in Minnesota

Minimize your risk when you own a commercial property that is vacant. By contacting Variant Insurance Group in St. Louis Park, MN, you ensure that you’re going to get the widest range of coverage options for your vacant commercial property. We’re committed to our commercial property owners and have years of insurance experience insuring these unique properties.

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We will present ALL your coverage options.

Coverage options that may be available to you include:

  • General Liability and Property Coverage
    • This covers the inside& outside of your building, even claims that include crime.
  • Property Coverage
    • This coverage includes the building and contents, outside signs, valuable papers, equipment breakdown, business income, theft and more!
  • General Liability Coverage
    • This coverage includes medical payments coverage with no deductible and optional add-on coverage for hired and nonhired auto.

Consider this: an act of vandalism or even an accident at your vacant property could results in the loss of millions of dollars. Our commercial property insurance policy for vacant property can include:

  • General liability limits of $1 million or $2 million
  • Property limit binding authority of $50 million
  • Property limits of any size available through additional markets
  • Buildings under renovation can be insured
  • Package & monoline polices are available
  • Policy terms of 3,6,9 & 12 months are available
  • Bank owned or foreclosed properties can be insured

Variant Insurance Group will work hard to ensure you’re covered on the water and that your coverage needs are met. Give us a call today at 763-333-2533 to start a quote. When shopping for boat insurance in Minnesota, there are some things you should keep in mind.

  • Navigational Area: Many companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters and into the Pacific coastal waters of Mexico. Some companies offer additional options for further navigation. Inquire today!
  • Agreed Value Coverage: Boat and personal watercraft depreciate over time; it’s a fact. Having your watercraft insured as actual cash value can make it difficult to replace a boat that’s been stolen or destroyed. Agreed value coverage means that if your boat is a total loss, you will get the value you insured it for, minus your deductible. Don’t depend on a homeowner’s policy to insure a boat. Your homeowner policy may not provide enough, or any coverage for your boat. Ask an agent about a specialized boat insurance policy.
  • Liability: Personal liability coverage provides coverage to you for damaging other boaters if you’re found to be at fault for an accident on the water. This coverage pays to repair or replace their property as well as any medical care, lost wages and other costs resulting from the accident.
  • Medical Payments: Medical payments coverage will cover your or your passenger’s medical bills as a result of an accident on the water. The coverage limits vary and covers you, your passengers and even your water skiers/tubers while being pulled behind your boat, regardless of fault. Coverage limits vary, but typically cover medical bills for you, your passengers as well as any water skiers/tubers being pulled behind your boat, regardless of fault.
  • Physical Damage Coverage: Physical damage coverage is available and pays to repair or replace your watercraft, its motor, any permanently attached equipment and your trailer, if it is damaged or stolen.
  • Uninsured/Underinsured Watercraft Bodily Injury: Many boaters choose not to get insurance. However, if you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages and other costs. Ask an agent today about UM/UMBI coverage for your boat today.
  • Fuel Spill Liability and Wreckage Removal: In the very unfortunate event that your boat should sink or be damaged on the water, there is a possibility of a fuel leak. As the boat’s owner, you are liable to clean this fuel up, which can be very time consuming and expensive. Ensure that your boat policy covers you for fuel spill liability and wreckage removal.
  • Personal Effects: Your watercraft policy can provide coverage for many personal effects such as clothes, cell phones and fishing equipment that are on your boat. Make sure you’re properly insured on the water by talking to one of our qualified insurance agents today.
  • Emergency Assistance: The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

More coverage is available. A Variant Insurance Group agent will go over all coverages with you so you can make an informed decision about what coverages are right for you.