As an independent insurance agent with valuable connections to leading insurance carriers, Arctic Risk Specialists (“ARS”) can provide you with the most competitive policy rates while still maximizing your protection. Our experienced team can guide you through various insurance and non-insurance options, making sure you fully understand each step of the process. Arctic can offer you an optimal insurance plan designed for your specific Commercial needs.


Commercial Insurance

Arctic offers comprehensive insurance packages to protect any aspect of your business. From inventory to company vehicles.

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures.

Business Auto Insurance

Business auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses of any size or scope.

Optional Coverages

We provide tailored packages for each business making sure every package offering contains the appropriate coverage for that particular business and its specific risks.

Workers’ Compensation

Workers’ Compensation claims arise from bodily injury and disease that occur during the course of employment.

Commercial General Liability

Protects your business from the devastating cost of liability claims that may arise from everyday business situations.



Snow Removal Contractor Insurance

Whether you do snow removal operations full or part time, your business need to be protected during and after operations. It is our specialty to find you right coverage for the right exposure at the lower cost.

Garage And Auto Body Repair Insurance

Coverage needed for auto repair shops, auto dealerships, tow truck drivers and service stations. Cover business, tools, as well as client property in possession.

Manufacturing Business Insurance

Insurance products that can protect against things like damage to your property or equipment, injuries or illnesses suffered by custoners and employees as a result of your business operations and products.

CBD/Hemp/ Marijuana

With CBD/hemp and Marijuana products growing while expanding dispensaries, bakeries, cultivators, and more, you need insurance....