Browse Niche or Specialty Insurance Policies

Niche or Specialty Business Insurance

Variant Insurance Group is proud to offer insurance products for many of Minnesota’s specialty businesses. Even if you don’t see it below, we may have a market for you. Contact us today!

Brewery Insurance

Commercial Auto (Hauling, Tractor Trailers)

Contractor Insurance

Daycare Insurance

Grocery Store Insurance

Hotel & Motel Insurance

Lessor Risk Insurance

Liquor Liability Insurance

Restaurant Insurance

Short Term Rental Insurance (AirBnB, VRBO)

Vacant Property Insurance

Winery Insurance

Google Rating

5.0

Variant Insurance Group

5.0

Jennifer Cremisino

18:30 24 Nov 21

Shelby helped me over the phone with auto-renewal and was so helpful with the explanations and answers to my questions. Much appreciated! Jay is my agent and he's also the best for making sure I'm getting the best rates possible.

Gabe Baumann

01:35 10 Nov 21

Jeff LaFavor was awesome to work with. He was patient and kept us informed and followed through every step of the process. I would and have highly recommended Jeff to others with peace of mind knowing they will be in good hands with an honest and trustworthy professional.

Jim Heily

12:04 04 Nov 21

Being unfamiliar with new location and surroundings can be stressful!! Variant Insurance helped to take the stress out of the aspect of acquiring insurance for auto, motorcycle and personal property rental insurance. Shelby from Variant Insurance provided the information for us to make a completely informed decision. Her promptness and professionalism along with a personable demeanor greatly aided us in our decision to purchase insurance with Variant Insurance. Our questions were answered in a prompt manner with comparable options and prices provided in a quote. Every business needs a representative such as Shelby. Thank you Variant Insurance!!

Michelle Martin

20:26 29 Oct 21

Everyone at Variant Insurance Group have always been wonderful to work with. They make everything less complicated and so much better for us. Thanks to Charlie, Amy and also Jeanne. You guys are the best!!!

baley transportation

22:07 15 Oct 21

@Jeanne Helped me with my businesses car insurance. She gave exquisite care. Her work ethic was remarkable. I was extremely impressed with her devotion.

Nate Dog

22:51 20 Sep 21

Today I had a time sensitive matter I needed addressed asap or my business. Darby got all the information gathered for what was needed this morning. I had everything active and insured by tonight! Thank you for your time and effort! Good responsiveness from variant insurance group everytime!

RVT BACKUP

19:56 14 Sep 21

Jeanne and Chris are great people! Great service with timely manner, punctual, and Highly recommend them for anyone who looking for good services. Jeanne is always helpful. Keep up the good work Jeanne! Thanks Amane _From Rift Valley Transportation Inc

Payton Stier

16:38 30 Aug 21

Really appreciate everything Variant Insurance Group has done for me! They saved me money while also finding better coverage… not to mention they work with multiple different carriers which is a huge bonus!

Alex Bruns

17:36 17 Aug 21

@Shelby Longstreet is one of a kind! Super helpful and knowledgeable. I thought I had pretty good coverage before with my other insurance broker, but she was able to not only save me some money, but also increase my coverage! This type of attention is exactly what I am looking for when looking at insurance. Keep up the good work, and looking forward to my new Insurance Broker!

John Coyle

02:30 12 Aug 21

Both Darby and Tori have been patient, curtious and understanding. Just like everybody else, I’ve found myself with very little discretionary time and to say I am beyond grateful for their skills and help would be an understatement. I believe that people who can instill confidence and save consumers time are going to be the most valuable assets to any company in today’s world. Not sugar coated, John

Hannah Anderson

20:06 08 Aug 21

We 100% recommend working with Variant Insurance for any home insurance needs. Our agent Darby was responsive and very knowledgeable. She made the entire process seamless. It is very fitting that Variant has only 5 star reviews!

Tiarra Gansmoe

19:59 03 Aug 21

Shelby's customer service and professionalism was beyond any Insurance agency that I have reached out to. She was quick to quote me with multiple different options at a great price. Highly recommend working with Shelby at Variant Insurance Group!

Alicia Streiber

14:59 28 Jul 21

I can't recommend Variant enough – the entire team is wonderful! They are super responsive and willing to help with anything, whether it be helping with insurance reimbursements, contacting your insurance company directly, or finding you a cheaper rate. They reassessed our policy without us asking and called to get us locked in at a better rate. Everything was handled with ease. I highly, highly recommend Variant Insurance Group!

Marne Rooney

20:02 16 Jul 21

My agent Darby Stabe was so very helpful! She really made shopping for the best fit for me easy. I was so happy how she helped through each step of the process. Darby found great coverage at a great price! It was a breeze. I highly recommend Variant Insurance. Give Darby a call, she is the best!!

Michelle Masters

02:51 06 Jul 21

Shelby, Tori Darby are all THE BEST! I have interacted with others as well, but these have been the main three and I am SO impressed! Responsive, knowledgeable, and considers what is best for US! Rates are a bit higher, but the service off sets that for sure! I am still thinking that they should have flown to Florida to seal the deal! :) Seriously, alot of companies can learn for you guys! THANK you and I so look forward to a great insurance relationship with you all! Michelle and Tim Masters

Lance Garner

14:08 01 Jul 21

Great people! Great service, punctual, These folks at Variant provided my business a better insurance rate. Highly recommend. Jeanne & Chris are always helpful. Keep up the good work! Thanks

Karla Sonnenberg

13:38 24 Jun 21

Charlie and his team have always given us first rate service. They are quick to respond when we have had questions about our coverage and he always keeps us up to date on the best rates available. Thanks! Darby has been helping us most recently and is doing a great job of getting us great rates. Thanks!

Marilyn Ramirez

13:38 21 Jun 21

Tori was excellent to work with at the Variant Insurance Group. She was responsive and took care of all necessary steps when updating my vehicle information. I would recommend this group to all those looking to ensure they are getting the best rates for their insurance policies!

charity rachel

22:05 01 Jun 21

I've worked with Shelby and Tori, so I don't want to leave a review without crediting them both! Both wonderful agents to work with. Lately though I've worked with Tori quite a bit more by default and she's just the best. Answers all my questions, waits in the phone if I need to search for details, is the most patient and knowledgeable agent, quick to respond both over email and phone. Highly highly recommend this group and this team!

Haley Seurer

16:38 12 May 21

Shelby was so timely in getting me the info I needed in regards to my insurance. Within ten minutes of our phone call, she had everything I needed put together & sent off to me in an email. I can not recommend Variant more; they are personable and care deeply about their clients time & insurance needs.

Erin Kennedy

15:30 20 Apr 21

Shelby is kind, knowledgeable and thorough. She was patient with all my questions, making sure I understood every option. I got another quote from my existing agent, and Shelby walked me through both so we could compare policies side by side. And she found me the best rate by far! I ended up switching both my home and auto in order to work with her. Thanks, Shelby!

Hawo Ibrahim

17:49 08 Apr 21

Shelby was very kind to work with! She did a wonderful job in explaining how the process of my home insurance is and made it easy for me. I will highly recommend her to all my family/ friends and colleagues who are looking for home and auto insurance. Shelby has a great attitude and very professional!

Bobbi Spencer

22:38 23 Mar 21

We sold a vehicle today, notified Jay our agent, to remove the vehicle from our policy. Within an hour we received an email from Jeanne confirming everything was taken care of. We were amazed on how fast they took care of this for us!! Variant Insurance Group has the best group of people that we've ever worked with for our insurance needs!!!

Mitch Thomas

21:05 16 Mar 21

I was referred to Jay and his agency by a friend of mine who has several policies with Variant and I am thoroughly pleased with the professionalism, and promptness of their team. Not only did they save me a lot money, but they made everything extremely easy. Would highly recommend their services!!!!

Claire Renz

21:31 25 Feb 21

Darby was amazing! Super helpful and answered all of our questions. My boyfriend already had them as an insurance agent but, when I bought a new vehicle we decided to shop prices and get everything on one policy. Very happy to be with Variant now!

pat kane

19:41 12 Feb 21

As a new customer, within last 60 days, Ive been impressed with the unsolicited follow-up. Today's issue was a continuing issue between closing company and mortgage banker and Jeanne, separate of this issue, was the one to contact me, very much appreciated! The communication with my new insurance group has been excellent. Their response has consistently been very timely! Again, Ive only been with them for a short time but have been very satisfied with them, to this point!

Blaine Gudbjartsson

18:04 22 Jan 21

Jay came recommend by a friend. He was easy to get a hold of, quick to reply, and personable. He was available by text, email, or over the phone. He understood what we were going for, laid out plenty of options, and most importantly, he found an insurance company with significantly less expensive premiums for our home and auto polices with equal or better coverage.

Kelly Barnstorf

17:44 22 Jan 21

We worked with Darby at Variant Insurance Group and could not be happier with her level of service and expertise! She went out of her way to help find us the best rates for our home, rental property, and car insurance. She took the time to explain everything and ensure and easy, seamless process. We highly recommend Darby and Variant Insurance.

Anna Adatte

01:06 22 Jan 21

Variant Insurance was very thorough and helpful when helping me pick my difference insurance options. As a first time insurance shopper for my home, Darby was patient and informative on all of the different opportunities to choose from. Very honest and was readily available with any questions I had!

Lauren Lundstrom

21:47 21 Jan 21

Sometimes insurance can feel forced or otherwise “sales” like. But not at Variant. They feel like a friend and want to make your experience overall the best it can be. They truly seem like friends who have your best interest and for me + the lifestyle I live...is so important. Thanks for being so caring and kind Variant Group!

Jack Anderson

19:11 21 Jan 21

I’m so lucky to have stumbled into Darby at Variant, she’s the best! Always prompt and makes understanding the entire insurance process simple. Would recommend her and Variant to everyone.

Scott Norman

18:05 18 Jan 21

We added a brand new car (Tesla) to our insurance policy which increased the cost quite a bit. Tori and Darby shopped around for a new insurance carrier. Darby took the extra time to summarize various options compared to our current policy. As a result, they set us up with a different carrier at the same levels with lower premiums than before adding the Tesla. Win-Win in my book.

Jeff Kenney

12:17 08 Jan 21

I’d like to thank Tori and Jay at Variant for all their help. Very professional and prompt with my business, home, and auto insurance. They’ve guided me to best policies for all my needs. Quick response to changes and questions. Highly recommend.

Brian Ruhland

16:45 07 Jan 21

Variant was great, they explained everything in great detail, and were able to save me money on my insurance bills each month. Darby and Charlie were great to work with and very responsive when I had questions. Highly recommend this agency!

Michelle Allers

15:02 04 Jan 21

Variant Insurance Group has always put our company at the front line when we need our insurance documents. I personally deal with Jeanne Ditty Hanson CSR/Insurance Consultant and she is the fastest in responding to any call or email. She daintily shows the dependability that companies need and she is highly recommended in my book

Paige Gibson

04:58 18 Dec 20

Variant Insurance Group & specifically Darby - was & continues to be, fabulous to work with. I recommend Darby at Variant Insurance to all my clients because I know they will be well taken care of. I have also personally used Variant Insurance for my own policy & they are responsive & a well managed company, who always have their clients’ best interests in mind.

Chris Ashworth

20:58 08 Dec 20

Shelby really took care of my needs. She had a few different insurance options that really fit my needs. Great experience, she really had my best interest in mind when working with me to get the best coverages and options.

idalia garcia

15:14 06 Oct 20

In April of this year we were reffered to Jay and his team at Variant by our Lender. He worked right away on our case and found us great insurance rate for our newly purchased home and made the numbers work in our favor so we closed on time with no issues. We bundled our auto and saved even more. Recently we filed a claim on one of our vehicles and Tori was extremely quick with handling our requests , the other day I texted her quick to ask for ID cards and she sent me an email with cards right away. VERY MUCH APPRECIATED😊

Joseph Sebast

14:50 05 Oct 20

They were able to answer all the questions that I had and were able to get WAY better rates than I was able to on my own. They were professional, fast, responsive, and made everything easy.

Adam Chesney

18:39 22 Sep 20

I've worked through several insurance companies and Variant by far has been the best all around experience in helping me find affordable insurance while feeling like they genuinely have my best interest in mind. Darby was the agent who worked with me and was very professional and responsive in getting me information as well as answering questions I had. I would recommend them to anyone and am recommending them to everyone I know!

Alexa Stabe

20:09 18 Sep 20

Darby from Variant Insurance Group, I would sincerely like to thank you for your help, I am so grateful for you finding me and my family our insurance. I was paying double before with less coverage and I truly couldn’t feel happier or safer knowing that. Couldn’t have done it without you. Thanks again!!!

Carrie Peterson

17:42 16 Sep 20

The staff at the Variant Insurance Group is incredible! We are always making changes, asking questions, needing help, etc. and everyone is so helpful!

Orrin Black

20:19 11 Sep 20

Jay and his team were wonderful and efficient. They handled my case with lightning speed, got me a great deal, and are always there to answer my call if I need them. Wonderful people would definitely recommend.

Ann Hanson

23:29 09 Sep 20

Shelby was very helpful and patient through this process. She was also able to find us much better options at much lower cost! Thank you!

Nate Olson

17:45 29 Jul 20

I highly recommend Charlie and the whole team at Variant insurance! They have multiple carriers they shop to find you the best savings for insurance.

Ben Anderson

16:11 22 Jul 20

I switched to using variant approximately 18 months ago based on a recommendation from a friend. They shopped for homeowners and auto for me and I saved around $900 combined for the year. I have switched vehicles many times, and mortgage companies once and everything gets updated and sent out promptly. Everyone at this office has been great to work with!

Angela Campbell

18:55 14 Jul 20

I was referred to Jay Glancey during my home buying process to help me find the best coverage and deals for home owners insurance. Since being a first time home buyer, I wasn’t sure what sort of coverage I needed. Jay came in and saved the day! He was very thorough in explaining things to me that I didn’t understand and he also listened to all of my questions! He was efficient with responding to my emails, calls, and text messages! Jay made helpful recommendations that we didn’t consider thinking about and knowing about when shopping around for home owners insurance. Overall, Jay has been truly amazing to work with and I would recommend him to anyone looking for a second opinion on their home owners insurance or their first time purchasing home owners insurance! Thanks Jay! 🤗

Don Ristow

17:00 14 Jul 20

Variant Insurance company has always treated me kindly, professionally, and continuously have gotten things done fast when I needed them! Another great thing is that someone always picks up the phone. For me, that’s important!

Nathaniel Yackel

15:57 10 Jul 20

Jay Glancey and his team at Variant were consistently professional and responsive to all my auto insurance needs. Jay was able to find me a great rate. When I needed to contact Variant on a weekend in order to purchase a new vehicle, Jay and his team responded to me quickly and got me the documentation I needed in no time. I would highly recommend this group to anyone in the market for insurance.

Karie Meier

22:17 09 Jul 20

By far the BEST and EASIEST decision we made was going with Variant Insurance Group. I reached out to Jay to find homeowners and auto insurance. He responded right away and got to work on finding us a quote. He answered all my questions in detail and really fast. We ended up saving hundreds by working with them. Honestly, they are hands down one of the most professional and detail oriented Insurance groups we have worked with.

Brian Gale

15:15 09 Jul 20

I've had the pleasure to refer clients to Jay Glancey of Variant Insurance Group. Jay has provided professional experience to my clients and as a result has not only helped my clients save money, but add a personal touch. I will continue to recommend my clients to Jay.

ashlie mahlen

20:26 08 Jul 20

Jay was very friendly and easy to talk to. He got us a fantastic quote on insurance for everything we have. We are very happy with our experience!

john delong

14:16 06 Jul 20

Shelby was great! She presented many options with coverage recommendations. At the end of the day we settled on policies that increased our coverages while decreasing our costs.

Joan Moonen

12:45 02 Jul 20

Hello, Variant was easy to do business with when switching my auto and home insurance after many years. I appreciate the friendly service and professional team members! Thanks again, Joan

Ben Stangler

03:08 30 Jun 20

We followed Jay from his old company. He was so excited to work for a local and independent company! He had great things to say about Variant. We know he would not settle for anything but the best. Having come from the teachers union and having a military family in USAA, I’m very pleased with the rates and quality of service compared to my other experiences and services. Additionally, the ability to network with multiple providers within a company like this is invaluable. Finally, my wife was in an accident In 2019, and they were awesome to work with! I’d recommend them to anyone.

Shayna burrows

19:56 24 Jun 20

Jay from variant group has been great to work with. He set me up with great deals on my auto and home insurance. They responded quickly and answered all my questions. I definitely recommend them they won't steer you wrong!

E B

15:23 24 Jun 20

The team at Variant has been awesome! They're always super responsive and it's always easy to get a hold of them. What really impressed me was when I was shopping for a new motorcycle, the process at the dealership ended up going after hours. I called Variant sometime after 7pm and they got back to me within 15 minutes and helped me secure insurance so I didn't have to make a long trip back to the dealership the next day. Absolutely great service!

Bobbi Spencer

14:51 24 Jun 20

Variant Insurance Group have fantastic people working for them!! Their customer service is top priority for their clients. They are always looking for the best price for our insurance needs. I highly recommend Variant Insurance Group!!

Lisa Harrington

23:42 23 Jun 20

What I appreciate most about variant insurance is the great rates that we receive. We are extremely pleased with our home and auto insurance. Our agent takes the time to review our coverage to make sure it fits our changing needs and that we receive the most savings . Our agent Jay Glancey is always available If I have questions or concerns he immediately returns phone calls or emails.

MHC IMPORTS

17:42 23 Jun 20

The entire team at Variant Insurance goes above & beyond for us every single time. Our Representative Chris Brookins is excellent and Jeanne is a huge help for any time we need a document or the like. Our rates decreased in switching to Variant and our coverage actually got a bit better.

Laura Nelson

19:24 19 Jun 20

Jay at Variant helped me find good coverage for my new home. He researched what was available and found me a great deal. I look forward to having professional and friendly service near my home.

Jessica Brookins

01:44 17 Jun 20

I’ve never had a better insurance experience! The Variant Insurance team definitely went the extra mile to ensure I’m getting the proper coverage. Not only are they detail oriented with my policies, they also helped me understand the coverage I’m getting and ensured I was getting the best rates.

Katie Roers

16:40 11 Jun 20

This past winter we had a large fire in our shed. We were so thankful to have Variant at our side through the process. They had us insured with an outstanding carrier who promptly paid out the claim to get our shed rebuilt and equipment replaced. We felt very cared for and protected throughout the difficult event.

Katie Liz Sternberg

15:03 11 Jun 20

I am so happy I switched to Variant Insurance Group. Any time I have questions, they are answered promptly & I love that I can get a quick text response as well. Takes the hassle out of something that used to feel like a chore. All of that AND I saved money!! You’ve earned my loyalty!

Brittany Herman

20:30 21 May 20

Variant is always super responsive. Easy to talk to. They make you feel comfortable and confident in making a decision and the services they provide. Highly recommend.

Natalie Chick

18:06 08 May 20

I have always been so pleased with how fast I receive responses from the staff. If I was unable to get someone on the line the first time I called, I never had to wait more than an hour to receive a call back with the information I needed. And that includes the weekends! I can’t recommend Variant Insurance enough. Their customer service is above the rest, and their knowledge in the field gives me confidence that I’m working with the best.

Anthony Guarnaccia

16:52 07 May 20

I have been working with Variant for 3-4 years now and can’t say enough great things. Helping us understand our risk profiles and determining the right coverages to also finding us the best deals. The customer service is amazing and as a person who is always behind on personal life stuff they make it easy which is worth it to me.

Tenzin Deckyi

17:18 30 Apr 20

Jay was very helpful. He always took my phone, responded to my emails and texts and was very quick with his responses. Thank you, Jay!

Jayne Pluth

21:48 28 Apr 20

I recently transfered my insurance policies to Variant Insurance after being with another company for more than 30 years. I purchased auto and homeowner's insurance along with an umbrella policy from Shelby. I am very pleased that the new policies provide much better coverage at a substantial decrease in premiums. Shelby was knowledgeable and thorough in explaining the details of my new policies and was truly a delight to work with. I highly recommend her!

Anne Nemo

16:25 28 Apr 20

Charlie and Shelby have always been there when I needed them. Between making sure I got the best deal on my cars or switching my home and auto policy due to COVID, they work late into the night to ensure I am taken care of. 20 minutes ago they saved me OVER $1,000! I am SO grateful for them going the extra mile to help me out during this tough time and highly recommend you reach out to them. I almost guarantee they can find you a better deal.

Bryan McWhite

21:02 27 Apr 20

Charlie, Amy, and their team are absolutely top-notch in their dedication to excellent customer service, and finding clients the best possible coverage at the most competitive prices. I use them for my own coverage personally, and refer my real estate clients to them as well.

Olivia Manson

01:27 27 Apr 20

We’ve worked with other companies before and Charlie and his team are great! Very knowledgeable and didn’t sell us anything we didn’t need. We truly feel like they have our best interests in mind. You should hire them!

Nate Berlien

22:30 24 Apr 20

Jay and crew took care of me well. Their personalized and detailed approach led me to a 25% savings in my insurance costs from my previous holder. Jay and Variant were able to compare rates from multiple vendors and choose the right one that best suited my needs. They also offer Business insurance!

Gerry Seurer

22:08 24 Apr 20

I am very happy with the results of the work done by Shelby Longstreet to review my current Homeowner and Auto policies and replace them with similar policies and updated coverages. In addition, she added an Umbrella policy and the final cost still resulted in premium savings for me. Shelby is very knowledgeable and I would highly recommend her to anyone looking for help and guidance with their insurance needs.

David Shallenberger

19:11 24 Apr 20

Jay is quick, competitive and best of all - always has the clients best interest in mind! Everyone I send over to Jay always has the best things to say about him! If you’re looking for an insurance agent with integrity and who will compete for your business, Jay is your guy!

Michelle Carter

14:23 24 Apr 20

Variant is a proactive service centered agency; they shop your options without being asked. Customer service is always top notch.

Dan Ahrens

21:43 23 Apr 20

A great experience from beginning to end. From quoting our new policy to walking us through a hail damage claim - we couldn’t have asked for a better experience. Charlie and team and top notch!

Charlie Brookins

19:08 23 Apr 20

We love our team at Variant. Our staff is constantly working on ways to make our clients feel like family. This is a great place to have your insurance!

Valerie Seurer

17:21 23 Apr 20

Steve Grotting

16:12 18 Oct 17

Best rates! Variant Insurance showed me that I can get a lot more coverage for my money by using a broker. Don't just get a policy, get covered!

Josh McCarthy

20:18 23 Jan 17

Charlie and Amy do a great job at understanding their clients needs and wants. They are not your standard insurance agents that just tell you what they think you need. They listen and its during that discovery time they inform you of critical items you may need to make sure you are truly covered during that critical time in need. If you are looking for an Insurance company that truly has their clients needs first then you have found the right company.

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