Business Details
Your Trusted Business Insurance Partner
Unidale Insurance was founded in the early 1960s with a commitment to simplifying insurance solutions for businesses. Originally established as a general insurance agency in St. Paul, Minnesota, we transitioned to specializing in commercial insurance under Ken McIntosh's leadership during his 30-year tenure. Our expertise lies in placing hard-to-insure risks and providing coverage options few agents understand. Following Ken's passing in 2021, his daughter Kristin Waldoch continued our legacy while modernizing operations. In 2023, we joined Scali Insurance Group to expand our capabilities while maintaining our independent culture.Our team combines decades of industry experience with personalized service to protect business owners' livelihoods. We focus on demystifying insurance processes through transparent communication and tailored risk management strategies. Our partnership with Scali's national network enhances our resources without compromising our local expertise. With over 60 years of service, we remain dedicated to delivering specialized insurance solutions with integrity and professionalism.
Services
General Liability
Workers' Compensation
Contractor Insurance
Commercial Auto
Builders Risk
Home Health Care
Roofing Insurance
Bonds
Assisted Living
Highlights and features
- We specialize in hard-to-place insurance risks since 1960
- Our team has 30+ years' experience with niche insurance solutions
- We maintain local service with national network support
- We offer transparent insurance processes with no hidden fees
- Our family-owned agency combines tradition with modern solutions
Services
General Liability
Our General Liability insurance protects businesses from lawsuits related to bodily injury, property damage, and advertising injuries. This coverage includes defense costs even for unfounded claims. We help Minnesota businesses understand and implement appropriate liability protection tailored to their specific risk profiles.
Workers' Compensation
Workers' Compensation insurance provides medical benefits and wage replacement for employees injured on the job. We offer standard policies and specialized 'ghost policies' for independent contractors. Our expertise ensures Minnesota businesses meet legal requirements while protecting their workforce and business assets.
Contractor Insurance
Our Contractor Insurance packages address unique risks faced by construction professionals. Coverage includes liability protection, equipment insurance, and specialized endorsements for roofing, remodeling, and home healthcare contractors. We provide tailored solutions for both small businesses and large-scale operations across Minnesota.
Commercial Auto
Commercial Auto insurance covers business vehicles against accidents, theft, and property damage. We offer customized policies for varying fleet sizes and vehicle types. Our solutions help Minnesota businesses maintain compliance while protecting their transportation assets and operations.
Surety Bonds
We provide various surety bonds required for business licensing and contractual obligations. Our offerings include fidelity, license, bid, and performance bonds. Minnesota contractors and professionals rely on our expertise to meet regulatory requirements and secure project opportunities.
Questions
What types of business insurance do you offer?
We offer General Liability, Workers' Compensation, Commercial Auto, Surety Bonds, Builders Risk, and specialized coverage for contractors and healthcare providers.
Do you work with hard-to-place insurance risks?
Yes, we specialize in placing difficult-to-insure risks and provide coverage options for unique business situations that other agents may decline.
What areas do you serve?
While based in Circle Pines, Minnesota, we serve businesses statewide and leverage our Scali Insurance Group network for national support.
What is a workers' comp ghost policy?
A ghost policy provides Workers' Compensation coverage for independent contractors, meeting requirements for businesses without traditional employees while protecting against potential liabilities.
Reviews (3)
Travis Ohna
Nov 02, 2021
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I had switched to Unidale after having constant horrible experiences with my previous general contractor liability insurance agent. When I contacted Unidale I gave her my story and she reassured me that is not the way Unidale treats people and knows how to take care of general contractors. So I moved all of my business insurance needs to Unidale. Not only does Unidale actually know what they are doing, but just recently had an EXCEPTIONAL experience I had to share. I needed new glass for my van and wrote an email explaining. She got back to me promptly with extra information about the process and
Ms. Blueberry
Dec 05, 2020
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They didn't put a fork in the bag, when my driver went back in to get a fork the cashier said "I'll see if we have anymore" as if she didn't have rice in her order. He found one. Soooo we order take out so we don't have to cook but we must go back home to get a fork to eat the takeout.. smh
Sara Adams
Jul 11, 2019
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We have been with Unidale insurance for 18 years. Back in 2001 they insured us when no one else would with rates that were responsible and policies that were comprehensive. Since then there have been better offers from other insurance companies, but we'll never change. This business takes the time to know your name, understand your business and works hard to provide the best knowledge possible. Everytime we've hit a snag and needed prompt responses they have always been the fastest and most effective at getting us what we needed! So, from their personable service, fast response, and good policies
