Author: Josh Havlik

Truth or myth: “All insurance agents use the same companies, you can’t help me”

I recently walked into a restaurant and talked with an owner. He told me that his current agent had the restaurant with Society insurance company and that “all of us agents used the same few companies” so I likely wouldn’t be able to help him because his agent represents most of the same companies. While […]

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Is a dispensary risk that much different than a liquor store?

Here’s a question I’ll ask of those interested in opening a dispensary, in MN: Is a dispensary risk that much different than a liquor store? The answer is yes. It’s actually a better risk than a liquor store! Think about it, the state of MN requires things like video monitoring, upgraded lighting around the store, […]

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Our New Website!

Welcome to Elevated Risk Solutions — Your Trusted Commercial Insurance Experts We’re proud to announce the official launch of our brand-new website: ElevatedRiskSolutions.com! 🎉 At Elevated Risk Solutions, our mission is simple — to help Minnesota businesses protect what they’ve worked hard to build. Whether you run a brewery, dispensary, bar, restaurant, or any other […]

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Recent Post

Truth or myth: “All insurance agents use the same companies, you can’t help me”
December 2, 2025
Cannabis Dispensary Insurance
Is a dispensary risk that much different than a liquor store?
November 19, 2025
Our Website
Our New Website!
November 1, 2025