Minnesota Contractors Insurance
With unparalleled access to the nation's premier wholesale markets, our Minnesota Contractors Insurance programs offer affordable coverage that is written specifically for each trades business operation –
Why do I need Contractors Insurance?
Contractors’ insurance protects against the financial risks present at all stages of business operations.
The Minnesota construction industry is a risky business. Contractors rely on hazardous tools and specialized equipment, which present the risk of accidents and property damage. Common hazards — falls, electric shock, struck-by objects, and equipment mishaps — expose employees to serious workplace injury incidents. An unexpected lawsuit can financially obliterate a small business without sufficient insurance coverage.
A robust contractors’ insurance package will safeguard against the risk of financial loss caused by unexpected business claims.
Protect Against the Unpredictable
Builders and Tradesmen planning to operate in Minnesota are encouraged to visit the Minnesota Department of Labor and Industry to verify laws, regulations, required fees, and documentation before beginning operations.
With affordable rates that fit any budget, our commercial insurance pros are standing by to assist Minnesota contractors with custom-tailored insurance options that protect against third-party claims.
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:
- Bodily Injury/Property Damage Liability
- Products/Completed Operations
- Damage to Rented Premises
- Defense Costs
- And More
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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