City Insurance and Financial Services

City Insurance and Financial Services Independent insurance agency helping Minnesota families and businesses compare rates from top-rated carriers. Licensed in MN, AR, WI, TX, NC & FL.

Auto • Home • Boat/RV/ATV • Commercial • Life & Final Expense. Get a fast quote → cityinsurancemn.com City Insurance and Financial Services, Inc. is a fully independent insurance agency. Being an independent agency helps connect our clients to many of the top insurance companies, allowing our dedicated staff to constantly search for and find the most competitive and cost effective solutions for ou

r clients. Our specialties include auto, home, life, health, travel, and business insurance, as well as tax preparation, disability income, and annuity services. We provide a bridge between our clients and the insurance companies for all questions and concerns regarding their quotes and active policies. Sergey Kenigsberg, Agent:
Sergey has been a licensed insurance agent since 2004. He is licensed to sell insurance in Minnesota and Wisconsin. Prior to co-founding City Insurance and Financial Services in 2010, he was an agent for Country Insurance. He is bilingual in English and Russian. Larisa Bartlov, Agent:
Prior to co-founding City Insurance and Financial Services, Larisa was an experienced Financial Analyst for TCF Financial Corporation. Larisa became a licensed agent in May of 2010 and is bilingual in English and Russian.

"Am I actually covered if this hits my building?"Every AR small business owner asks it after the first tornado warning o...
07/08/2026

"Am I actually covered if this hits my building?"
Every AR small business owner asks it after the first tornado warning of the season. The answer is usually buried in two words most owners have never read on their policy: wind/hail deductible.
On a $400,000 building, a 2% wind/hail deductible = $8,000 out of pocket before your carrier pays a dollar. And it can apply separately to your building AND your contents.
New post breaks down what your BOP actually pays after a tornado — plus the 3 gaps that catch AR small businesses every spring: outdoor signage (often capped at $2,500), business income, and equipment breakdown.
Want me to read your declarations page and flag the gaps? (763) 582-1888.
👉 https://www.cityinsurancemn.com/post/ar-tornado-season-small-business-property-coverage

Commercial property insurance protects your building, equipment, inventory, and fixtures against fire, theft, and vandal...
06/24/2026

Commercial property insurance protects your building, equipment, inventory, and fixtures against fire, theft, and vandalism. Solid foundation.
What it does NOT cover unless you add it: floods, liability claims, and lost income while you're closed. Most owners don't find those gaps until the day they file a claim — which is the worst possible time to learn it.
Run a business in MN or AR? Let's make sure your policy covers what you think it does — (763) 582-1888.
👉 https://www.cityinsurancemn.com/commercial-insurance/landlord-rental-property-insurance

Your renewal came in 25–30% higher and your first thought is "let me split this into separate policies and shop around."...
06/23/2026

Your renewal came in 25–30% higher and your first thought is "let me split this into separate policies and shop around." Sometimes that wins. Usually it doesn't.
For 80–90% of small businesses, a BOP (liability + property + lost income bundled) runs 15–25% cheaper than buying those coverages separately. But separate policies genuinely win in a handful of cases — BOP-ineligible class, property limits above the form cap, or splitting carriers when the rates justify it.
New post breaks down the real math — including the admin cost most owners forget to price in: three policies = three renewals, three carriers, three claim disputes when a loss crosses the line.
MN or AR small business? Let's run your numbers — (763) 582-1888.
👉 https://www.cityinsurancemn.com/post/bop-vs-gl-property-separately-small-business

Every Arkansas roofer asks me the same thing: "Why is my commercial auto so much higher than my buddy's landscaping busi...
06/22/2026

Every Arkansas roofer asks me the same thing: "Why is my commercial auto so much higher than my buddy's landscaping business?"
Straight answer: AR roofing is one of the worst-rated commercial auto classes in the trades — storm-chasing, high mileage, heavy material loads, multi-state pursuit work, 1099-heavy crews. Carriers see the whole stack.
The good news: most of what drives your rate is controllable. The single biggest lever? The MVR of every driver in the cab — one bad record can double the whole fleet premium.
New post breaks down the 5 variables that move your premium more than the carrier you pick, plus the two coverages most AR roofer policies are missing (HNOA + Inland Marine).
AR roofer? Let's tighten up your number — (763) 582-1888.
👉 https://www.cityinsurancemn.com/post/commercial-auto-ar-roofers-premium-drivers

The classic landlord call: "A tenant slipped on the sidewalk in front of my rental and broke her wrist. She's threatenin...
06/21/2026

The classic landlord call: "A tenant slipped on the sidewalk in front of my rental and broke her wrist. She's threatening to sue. Am I on the hook, or is the city?"
Answer: it depends on where she fell — and on which state you're in. Most MN cities (Minneapolis, St. Paul, Plymouth, Maple Grove) use the "abutting owner" rule: the city owns the sidewalk, but YOU have the legal duty to clear it. AR is generally more landlord-friendly — but tree roots, cracked concrete, and the path to your front door are always on you.
And that lease clause putting snow removal on the tenant? It's a defense, not a shield. The lawsuit still comes to you first.
Your DP3 is your first line of defense; a $1M umbrella ($250–$500/yr) is your second. This scenario is exactly why landlords carry it.
New post breaks down where the liability actually lands — and how to lower your exposure before anyone slips.
Own a rental in MN or AR? Let's check your stack — (763) 582-1888.
👉 https://www.cityinsurancemn.com/post/landlord-liability-tenant-slip-sidewalk

State minimums keep you legal — but they only cover the damage you do to someone else. Your bike, your gear, your custom...
06/20/2026

State minimums keep you legal — but they only cover the damage you do to someone else. Your bike, your gear, your custom parts? Not covered.
Collision, comprehensive, and accessory coverage are what actually protect your investment. Most riders carry just the minimum and don't find the gap until they're standing over a dropped bike.
Riding season's here. Let's make sure your coverage matches what you've put into the bike — (763) 582-1888.
👉 https://www.cityinsurancemn.com/contact-us

A funeral and burial now commonly runs $8,000–$10,000. Final expense insurance is a small whole life policy built to cov...
06/19/2026

A funeral and burial now commonly runs $8,000–$10,000. Final expense insurance is a small whole life policy built to cover exactly that — so the people you love aren't handed the bill during the hardest week of their lives.
No medical exam — just a few health questions. Premiums never go up, coverage never expires. Built for ages 50–85.
Want to know what a plan would cost for you or a parent? Call (763) 582-1888.
👉 https://www.cityinsurancemn.com/contact-us

Arkansas contractors: your commercial auto policy covers the trucks listed on it by VIN — and nothing else. Every borrow...
06/17/2026

Arkansas contractors: your commercial auto policy covers the trucks listed on it by VIN — and nothing else. Every borrowed, rented, or subcontractor vehicle on your job is a gap.
Picture it: hail hits Conway, you take three jobs and bring on two 1099 subs in their own pickups. One sideswipes a car on Highway 65 on a supply run. Driver's hurt, lawyer calls. The sub's pickup isn't on your policy. The sub's personal auto excludes business use. Your commercial auto excludes vehicles it doesn't list.
Guess who the lawsuit names? Your business — and without Hired & Non-Owned Auto, you're paying the defense and the judgment out of pocket.
It's usually a small endorsement on your existing policy. New post breaks down exactly what it covers and how it gets on.
AR contractor running subs? Let's close the gap — (763) 582-1888.
👉 https://www.cityinsurancemn.com/post/hired-non-owned-auto-arkansas-contractor

MN subcontractors: this is the call I get every week in 2026 —"The GC says I need additional insured PLUS waiver of subr...
06/16/2026

MN subcontractors: this is the call I get every week in 2026 —
"The GC says I need additional insured PLUS waiver of subrogation PLUS primary and non-contributory PLUS per-project aggregate, and they won't let me start without it. What does this even mean — and can my policy do it?"
The list of COI add-ons GCs demand keeps getting longer. The good news: most can be added to your GL at small or no extra premium. The bad news: if you can't deliver a properly-endorsed COI in 24 hours, you lose the job to a sub who can.
New post breaks down the Big Four every MN GC is now requiring, what's showing up next, and how to set it up BEFORE the next job invite hits your inbox.
Want me to check what your current GL can already issue? (763) 582-1888.
👉 https://www.cityinsurancemn.com/post/coi-add-ons-mn-general-contractors-2026

Address

601 Carlson Parkway, Suite 1050/#1049
Minnetonka, MN
55305

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+17635821888

Website

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