A couple of minutes can save you up to 65% or more with
Minnesota's leading contractors' insurance programs –
Contractors
Insurance
Minnesota
Minnesota
Contractors Insurance
Stop overpaying for coverage in the North Star State!
A couple of minutes can save you up to 65% or more with Minnesota’s leading contractors’ insurance programs –
Coverage for Minnesota Contractors
With exclusive access to the nation's leading construction insurance markets, our Minnesota Contractors' Insurance programs offer affordable, customized coverage tailored to each trade's business operation –
What is Minnesota Contractors’ Insurance?
Minnesota contractors’ insurance mitigates financial risks at all stages of business operations.
Why Do I Need It?
The Minnesota construction industry is inherently risky. Contractors use hazardous tools and specialized equipment, increasing the likelihood of accidents and property damage. An unexpected lawsuit resulting from such incidents could financially devastate a small business without adequate insurance coverage.
A comprehensive contractors’ insurance package not only protects against financial losses from unexpected business claims but also provides a sense of security and peace of mind, knowing that your business is well-protected.
Protect Against the Unpredictable
Builders and tradesmen planning to operate in Minnesota should prioritize a visit to the Minnesota Department of Labor and Industry. This step is not just a formality, but a crucial one that ensures you are well-informed about the laws, regulations, required fees, and necessary documentation before starting operations, making you feel prepared and confident in your business operations.
Our team of commercial insurance experts, with their unwavering dedication and expertise in the construction industry, is committed to providing affordable rates that fit any budget. We are ready to assist Minnesota contractors in finding custom-tailored insurance options that protect against third-party claims, ensuring you have the best coverage for your business.
Our Recommended Products
General Liability
General Liability
Minnesota contractors’ general liability is a vital risk-managing component for a well-structured commercial insurance portfolio.
Minnesota contractor general liability insurance shields the financial interests of business owners facing potential claims due to a product, service, or operation.
A Minnesota contractors’ general liability policy provides builders, artisans, and project owners defense against potential liability caused by personal injury or property damage to a third party.
The Minnesota contractors’ general liability policy covers the following:
- Business Liability
- Liability Assumed Under a Contract
- Products & Completed Operations
- Defense Costs
- And More Protection
Workers' Comp
Workers' Comp
Minnesota contractor workers’ compensation benefits employees with job-related injuries or illnesses.
Minnesota contractors’ workers’ comp insurance covers:
- Medical Payments
- Lost Earnings
- Ongoing care
Non-compliance with Minnesota contractors’ workers’ comp mandates can result in severe penalties against employers failing to provide adequate insurance to their employees.
Please visit the Minnesota Department of Labor and Industry to verify Minnesota contractors’ workers’ compensation rules and regulations.
Surety Bonds
Surety Bonds
Minnesota contractors’ surety bonds protect government agencies and public consumers against contractors that violate state rules and regulations.
Various jurisdictions and classifications require a Minnesota contractor bond before commencing contracting operations.
A Minnesota contractors’ surety bond guarantees a client that the agreed terms outlined in a bid are complete.
Commercial Auto
Commercial Auto
Minnesota contractor commercial auto insurance, also known as a Minnesota contractors’ business auto policy, provides liability and physical damage coverage for vehicles owned, leased, hired, or used in your business.
Minnesota contractors’ commercial auto insurance protects business establishments against financial loss caused by damaged vehicles and injured occupants of an accident or vehicles damaged by vandalism or theft.
Minnesota contractor commercial auto coverage compensates for third-party injury or property damage caused by a covered driver of an at-fault accident.
Minnesota contractors’ commercial auto insurance covers:
- Bodily Injury/Property Damage Liability
- Comprehensive/Collision Damage
- Uninsured Motorist/Underinsured Motorist
- Hired Auto/Non-Owned Auto
- Medical Payments
- And More
Inland Marine
Inland Marine
Minnesota contractor inland marine insurance will replace or reimburse lost or damaged tools, materials, and equipment on a job site, transported from location to location, or off-site storage.
Minnesota contractors’ tools and equipment insurance safeguards against:
- Wind Damage
- Hail Damage
- Fire Damage
- Water Damage
Minnesota contractors’ inland marine covers “installation” risks and damaged rented or leased equipment.
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