States we serve · Minnesota
Warehouse and distribution insurance in Minnesota
Two programs, one question: whose goods are at risk? We place both sides of the Minnesota trade — the operator holding a customer’s freight, and the distributor who owns every pallet on the rack.
Minnesota is one of the few states with a real general public-warehouse licensing statute — the Minnesota Warehouse Act requires anyone storing merchandise for compensation to be licensed, bonded or insured, and inspected, putting the bailee relationship on a statutory footing that most states leave entirely to the storage contract.
Which one are you?
The two programs below are genuinely different risks, not two names for the same policy. Pick the one that describes your operation — or tell us on the quote form if you do both, which many Minnesota businesses do.
Warehouse business insurance in Minnesota
For the public, 3PL, contract, bonded, cold-storage, and fulfillment operators who hold OTHER companies’ freight. The goods under your roof are not yours — so warehouse legal liability leads the program, and your storage contract sets the duty of care.
Read the warehouse program → Your goods, anywhere they go.Distributor & wholesaler business insurance in Minnesota
For the merchant wholesalers, food and beverage distributors, and importers who OWN what they sell. The inventory is yours everywhere it goes — so stock throughput leads, and products liability follows you down the chain of distribution.
Read the distributor & wholesaler program →Where we place Minnesota risks: Minneapolis · St. Paul · Eagan · Shakopee · Rochester · Duluth · St. Cloud.
Get a Minnesota insurance quote
Quotes in 1–2 hours during business hours.