# elevatedrisksolutions.com ## Posts - [Truth or myth: "All insurance agents use the same companies, you can't help me"](https://elevatedrisksolutions.com/truth-or-myth-all-insurance-agents-use-the-same-companies-you-cant-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 it is true that many insurance agencies represent great companies like Society, Illinois Casualty, Auto-Owners, Cincinnati, or Badger Mutual, what this owner does not know is that companies vary pricing and will extend credits to good risks that may not have been negotiated properly. Certain […] - [Is a dispensary risk that much different than a liquor store?](https://elevatedrisksolutions.com/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, and all cannabis products to be locked and secured. A dispensary is a better risk than a liquor store. Insurance companies are slowly figuring this out and both pricing and options are starting to reflect this. Ask me about my affiliation with Illinois Casualty who […] - [Our New Website!](https://elevatedrisksolutions.com/our-new-website-2/): 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 business, we’re here to deliver innovative, affordable, and reliable commercial insurance coverage tailored to your unique risks. Our team collaborates with top-rated insurance carriers nationwide to secure the best coverage at the most competitive prices for you. We don’t just sell policies — we build long-term partnerships and provide […] ## Pages - [Cannabis Insurance Case Study](https://elevatedrisksolutions.com/cannabis-insurance-case-study/): Company Overview Add Your Heading Text Here Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. - [Restaurant Insurance Case Study](https://elevatedrisksolutions.com/restaurant-insurance-case-study/): Company Overview Restaurant Examples A small restaurant in Shakopee was moving to a larger space and wanted an agent that knew how to properly structure a restaurant insurance policy. They had been insured with a local agent who didn’t specialize in restaurants. We noticed right away that liquor coverage was too expensive, and that their situation would change drastically once their new space opened. We found them initial coverage with Auto-Owners and changed to a new solution with Society insurance company a few years after that. We activly manage our clients. Another example coming soon… Another example coming soon… - [Brewery Insurance Case Study](https://elevatedrisksolutions.com/brewery-insurance-case-study/): Company Overview Examples of breweries I’ve helped A small southwestern MN brewery approached us recently. Coverage was done correctly by their local agency, but liquor liability was brokered with a risk carrier because the client didn’t have three years of experience selling liquor. I was able to negotiate and find over 4K in annual savings A Minneapolis brewery approched me about their situation. They wanted an agent they could call when they needed something. Their existing agency had placed the account in a service center because the account was too small. I evaluated the risk and noticed that the initial […] - [Sitemap](https://elevatedrisksolutions.com/sitemap/): Company Overview Sitemap - [Privacy](https://elevatedrisksolutions.com/privacy/): Company Overview PrivacyPolicy Last updated: October 24, 2025 1. Information We Collect We collect information you provide voluntarily, such as your name, email, phone number, and any other information you submit through our contact forms or communications. We also collect information automatically through cookies and analytics tools, such as IP address, browser type, operating system, and browsing activity. 2. How We Use Your Information We use your information to respond to inquiries, provide services, improve our website, send updates or promotional messages (if permitted), and comply with legal obligations. 3. Legal Basis for Processing (for EU/UK/EEA visitors) We process personal […] - [Commercial Auto Insurance](https://elevatedrisksolutions.com/business/commercial-auto-insurance/): Minnesota Commercial Auto Insurance Swift, Affordable, and Reliable Coverage from Elevated Risk Solutions Insure Your Business Every Mile Your business vehicles are the lifeline of your company — from delivery trucks and service vans to sales vehicles and work trucks. Here at Elevated Risk Solutions, we provide affordable commercial auto insurance in Minnesota that can get your business moving ahead without breaking the bank. Whether you’re a multi-vehicle company or a start-up business, we’ll give you the best commercial automobile insurance program for the lowest rates in town. We’re Minnesota’s trusted source for enhanced commercial insurance protection — and yes, […] - [Homeowners Insurance](https://elevatedrisksolutions.com/personal/homeowners-insurance/): Minnesota Homeowners Insurance – Protect Your Home, Secure Your Future Minnesota Homeowners Deserve The Very Best Protection Often, your home is your most valuable asset — and insuring it shouldn’t cost an arm and a leg. At Elevated Risk Solutions, we provide Minnesota homeowners’ insurance that’s affordable, reliable, and easy to customize. We’re an independent agency, so we shop the market for you. We shop rates from the top insurance companies, including Travelers, GEICO, Nationwide, Westfield, AAA, Safeco, Progressive, North Star Mutual, Integrity Insurance, RAM, Selective Insurance, Auto-Owners, Cincinnati, Encova, Penn National, and others. We don’t simply provide you coverage […] - [Auto Insurance](https://elevatedrisksolutions.com/personal/auto-insurance/): Auto Insurance Minnesota – Quick, Convenient, Competitive, and Affordable Rates with Elevated Risk Solutions Insuring What Moves You When it comes to Minnesota auto insurance, there’s only one name that stands out from the rest — Elevated Risk Solutions. As an independent insurance agency based in Lakeville, MN, we don’t simply sell policies — we shop around and compare rates with top-rated carriers like Travelers, GEICO, Nationwide, Westfield, AAA, Safeco, Progressive, North Star Mutual, Integrity Insurance, RAM, Selective, Auto-Owners, Cincinnati, Encova, Penn National, and a number more. That adds up to some of the best auto insurance quotes in Minnesota […] - [Personal](https://elevatedrisksolutions.com/personal/): Company Overview Add Your Heading Text Here Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. - [Workers Compensation Insurance](https://elevatedrisksolutions.com/business/workers-compensation-insurance/): Workers’ Compensation Insurance in Minnesota Securing Minnesota Businesses & Employees the Intelligent Way Minnesota Workers’ Compensation Insurance Made Easy As a Minnesota business owner, it is more important than ever to protect your firm and your employees. Accidents can happen anywhere—on a construction site, in a restaurant, in an office, or while making a delivery. One accident could cost your business thousands if not adequately insured. That’s where we come in at Elevated Risk Solutions. We specialize in Workers’ Compensation Insurance in Minnesota, offering low-cost, customizable plans that comply with state requirements and protect you and your workers. Is your […] - [Surety Bonds](https://elevatedrisksolutions.com/business/surety-bonds/): Surety Bonds in MinnesotaFast, Easy, and Affordable with Elevated Risk Solutions Minnesota’s Bonding Experts You Can Trust Whether your business needs a Minnesota surety bond, trust Elevated Risk Solutions — your local, independent insurance agent. We excel at helping contractors, business owners, and professionals acquire affordable surety bonds fast and hassle-free. We shop and compare rates with top-rated bonding companies, including Travelers, CNA, Cincinnati, United Fire Group, Auto-Owners, Old Republic, Liberty Mutual, Main Street America, Selective Insurance, Westfield Insurance, and more. We’re pleased to offer affordable surety bonds, low down payments, and convenient pay plans. Does your policy have the […] - [Restaurant Insurance](https://elevatedrisksolutions.com/business/restaurant-insurance/): Restaurant Insurance in Minnesota Stay Safe with Elevated Risk Solutions Minnesota Restaurant Insurance Done Right Restauranteering in Minnesota means unparalleled reward—and unique risk. From kitchen fires and the serving of liquor to employee injury and property damage, your restaurant is at risk every day to hazards that can instantly wipe out your business. That’s where Elevated Risk Solutions steps in. We specialize in Restaurant Insurance in Minnesota, offering affordable coverage packages designed for every type of dining establishment, casual dining, fast food, fast casual, cafés, coffee shops, buffets, food trucks, mobile kitchens, bistros, pubs, gastropubs, family-style restaurants, steakhouses, ethnic eateries, […] - [Liquor Liability Insurance](https://elevatedrisksolutions.com/business/liquor-liability-insurance/): Liquor Liability Insurance in Minnesota Rapid Free Quotes. Trust Higher Risk Solutions. Lower Costs. Easy. Minnesota’s respected provider of higher commercial insurance coverage Selling liquor is a profitable business—but it also carries unique risks. If you sell to a customer who later causes an injury or property damage, your business could get drawn into a costly dram shop suit. Elevated Risk Solutions provides low-cost liquor liability insurance in Minnesota with the most competitive dram shop insurance quotes and policy conditions available to bars, brewpubs, restaurants, clubs, taprooms, event venues, and caterers. Does your policy bear the Elevated Risk Solutions Seal […] - [General Liability Insurance](https://elevatedrisksolutions.com/business/general-liability-insurance/): General Liability Insurance Minnesota Quick Free Quotes. Trust Elevated Risk Solutions. Save Money. Easy. Minnesota’s trusted go-to for elevated commercial insurance protection From contractors and retailers to restaurants, breweries, and offices, any Minnesota business can be at risk for a customer injury, damage to property, or a lawsuit. At Elevated Risk Solutions, we provide affordable general liability insurance—the everyday coverage your business requires to do business with confidence. We shop multiple carriers to provide you with the most affordable business general liability quotes and the lowest insurance rates that still ensure you are fully covered. Does your policy come with […] - [Commercial Property Insurance](https://elevatedrisksolutions.com/business/commercial-property-insurance/): Commercial Property Insurance Minnesota Fast Free Quotes. Trust High Risk Solutions. Save Money. Easy. Minnesota’s best choice for high commercial insurance coverage When the storm blows in, the pipe bursts, or the break-in occurs, your business needs coverage that doesn’t wait. Elevated Risk Solutions is masterful at providing low-cost commercial property insurance in Minnesota, providing the best business property insurance quotes with less hassle. We shop various highly rated carriers so that you can shop around and select the lowest-cost commercial property insurance that still protects what matters. Does your policy bear the Elevated Risk Solutions Stamp of Approval? Use […] - [Cannabis Manufacturing Insurance](https://elevatedrisksolutions.com/business/cannabis-manufacturing-insurance/): Minnesota Cannabis Manufacturing Insurance Safeguard Your Operations with Elevated Risk Solutions—forecast for today: Colossal Savings. If your company produces cannabis merchandise in Minnesota—extracts, edibles, concentrates, or infused products—you are exposed to specific risks that regular business insurance cannot cover. At Elevated Risk Solutions, we provide expertise in cannabis manufacturing insurance in Minnesota at affordable coverage, the lowest prices in town, and quick, free quotes. 📞 Contact us today at 952-469-0401 to get your free quote on cannabis manufacturing insurance. What Is Cannabis Manufacturing Insurance? Cannabis manufacturing insurance is a specific type of commercial insurance designed for companies that process, extract, […] - [Cannabis Dispensary Insurance](https://elevatedrisksolutions.com/business/cannabis-dispensary-insurance/): Minnesota Cannabis Dispensary Insurance – Protecting Your Dispensary with Elevated Risk Solutions Todays Forcast: Clear Savings on Cannabis Dispensary Insurance! Minnesota’s cannabis industry is totally on fire, and cannabis dispensaries are at the center of the blaze. If you’re a marijuana, hemp, or retail cannabis product seller, don’t skimp on insurance protection for your Minnesota business. We, Elevated Risk Solutions, trade in Minnesota cannabis dispensary insurance and offer cheap coverage, free instant quotes, and the best rates in town. 📞 Call us today at 952-469-0401 for your cannabis dispensary insurance quote. What Is Cannabis Dispensary Insurance? Cannabis dispensary insurance is […] - [Cannabis Insurance](https://elevatedrisksolutions.com/business/cannabis-insurance/): Minnesota Cannabis Insurance – Protect Your Cannabis Business with Elevated Risk Solutions Weather forecast for today: Giant Savings on Cannabis Insurance. The cannabis market of Minnesota is growing rapidly, from growers to dispensaries, and every business in the chain requires strong protection. We offer cannabis insurance in Minnesota at Elevated Risk Solutions, providing affordable marijuana insurance, package discounts, and the lowest rates in town. 📞Get in touch with us today on 952-469-0401 for a free cannabis insurance quote. What Is Cannabis Insurance? Cannabis or marijuana insurance is a specialized form of commercial insurance that covers Minnesota companies that do business […] - [Cannabis Cultivation Insurance](https://elevatedrisksolutions.com/business/cannabis-cultivation-insurance/): Minnesota Cannabis Cultivation Insurance – Protect Your Cannabis Grow Operation with Elevated Risk Solutions Today’s Forecast: Huge Savings in Cannabis Cultivation Insurance! Whether you’re growing cannabis in a greenhouse, warehouse, or outdoor grow farm, your business has truly unique risks. At High-Risk Solutions, we provide Minnesota cannabis cultivation insurance with the city’s lowest rates, budget-friendly options for cannabis growers, and fast, free quotes. 📞 Contact us today at 952-469-0401 for your free cannabis cultivation insurance quote. What is Cannabis Cultivation Insurance? Cannabis cultivation insurance is specialty insurance for marijuana growers, hemp farmers, and cannabis cultivators in Minnesota. Cannabis cultivation is […] - [Brewery Insurance](https://elevatedrisksolutions.com/business/brewery-insurance/): Minnesota Brewery Insurance – Insure Your Craft Brewery using Elevated Risk Solutions, Today. Today’s Forecast: Huge Savings! Minnesota’s craft brewing industry is totally thriving, and whether you’re the owner of a microbrewery, craft brewery, brewing company, or brewpub, protecting your business is as essential as refining your next batch. We at Elevated Risk Solutions specialize in Minnesota brewery insurance—offering the lowest rates in town, budget-friendly brewery insurance, and fast, free quotes so you can focus on brewing while we protect your investment. 📞 Call us today at 952-469-0401 to get a free quote for brewing company insurance in Minnesota. What […] - [Bar Insurance](https://elevatedrisksolutions.com/business/bar-insurance/): Bar Insurance in Minnesota – Protect Your Bar, Lounge, or Tavern with Elevated Risk Solutions Today’s forecast: Huge Savings. Imagine you own or manage a bar, tavern, or lounge in the land of 10,000 lakes, Minnesota. In that case, you would already be aware of the particular risks that are associated with serving alcohol, managing late-night crowds, and ensuring employee safety. At Elevated Risk Solutions, we specialize in bar insurance in Minnesota—with the lowest prices in town, fast free quotes, and expert guidance to protect your unique business. 📞 Call us today at 952-469-0401 for a free, no-obligation price quote. […] - [Business](https://elevatedrisksolutions.com/business/): Company Overview Add Your Heading Text Here Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. - [Sidebar](https://elevatedrisksolutions.com/sidebar/) - [Blog](https://elevatedrisksolutions.com/blog/) - [Contact](https://elevatedrisksolutions.com/contact/): Get In Touch Office Address: 20960 Holyoke Ave Lakeville, MN 55044 Email Address : josh@elevatedrisksolutions.com Phone Number: 952-469-0401 Contact Us - [About Us](https://elevatedrisksolutions.com/about-us/): Company Overview Discover the Elevated Risk Solutions Difference Simply put, we are insurance experts specializing in breweries, restaurants, bars, and cannabis businesses. Our team has decades of experience analyzing businesses and devising elevated risk solutions. It doesn’t stop there. We have industry experience in fitness, main street businesses, commercial properties, entertainment, manufacturing, construction, and many other sectors. In addition, we offer personal lines insurance for individuals seeking to enhance their financial situation. Let us save you money on your auto and home insurance. We are creatives who strive to find the right solution for you. Get A Quote Josh Havlik […] - [Home](https://elevatedrisksolutions.com/): You Can Trust Elevated Risk Solutions Get A Quote Welcome Expect excellence & results when working with our team. Customized Coverage Custom tailored protection from over 50 top-rated carriers. Your Best Value The best value in insurance is a balance of price, protection, and trusted service. Company Overview Commercial Insurance Experts Elevated Risk Solutions is an independent insurance agency specializing in providing insurance solutions to breweries, restaurants, bars, and the cannabis industry. We help businesses take control of their risk, costs, and insurance strategy. Award Winning Acknowledged for excellence in commercial insurance. Saving You Money Many of our clients have […] [comment]: # (Generated by Hostinger Tools Plugin)