Minnesota Contractor Insurance
Minnesota contractors face mandatory workers compensation requirements, winter weather builders risk exposure, and clients who require same-day COIs. We specialize in contractor insurance for Twin Cities trades and construction businesses.
Required
Workers comp for all MN employers
MN Statute 176
Same day
COI issuance for active policies
RightQuote service standard
$1M/$2M
Standard GL limits for MN contractors
Per occurrence / aggregate
20+
Carriers in our contractor network
RightQuote carrier appointments
Why this market is different
Minnesota contractor insurance considerations
Workers compensation: Required for all Minnesota employers
Minnesota requires workers compensation coverage for virtually all employers with one or more employees — including part-time and seasonal workers. Independent contractors who are sole proprietors may be exempt, but misclassification of employees as independent contractors is a significant risk. We help Minnesota contractors understand their workers comp obligations, verify classification codes, and write coverage for all trades.
Builders risk: Winter weather and partially completed structures
Builders risk insurance covers a structure under construction against damage from fire, wind, hail, vandalism, and other covered perils. In Minnesota, where winter weather can damage partially completed structures — frozen pipes, ice dam formation on new construction, and wind damage to framing — builders risk is particularly important. We write builders risk for Minnesota contractors on both residential and commercial projects.
COIs: Same-day issuance for Minnesota contractors
Most Minnesota general contractors and commercial clients require a certificate of insurance before allowing you on a job site. Delays in COI issuance can cost you jobs. We issue COIs same-day for all active policies and can add additional insureds as required by your contracts. We also review contract insurance requirements before you sign to make sure your coverage meets the client's specifications.
General liability for Minnesota contractors
General liability covers claims that your work caused bodily injury or property damage to a third party. It is required by most clients, general contractors, and the Minnesota Department of Labor and Industry for licensed contractors. Standard limits are $1M per occurrence / $2M aggregate.
General liability does not cover your own employees (workers comp), your tools and equipment (inland marine), or professional errors (professional liability). We review your full risk profile and recommend the right combination of coverages.
Tools and equipment coverage for Minnesota contractors
Your tools and equipment are not covered under general liability. They require separate inland marine (tools and equipment) coverage. In Minnesota, where tools left on job sites overnight face theft risk and winter weather can damage equipment, tools and equipment coverage is strongly recommended.
We include tools and equipment coverage in every contractor insurance package we write. Coverage is available for scheduled equipment (specific items listed) and blanket coverage (all tools up to a per-item and aggregate limit).
Commercial auto for Minnesota contractor vehicles
If you use vehicles in your contracting business — pickup trucks, vans, trailers — you need commercial auto coverage. Personal auto policies typically exclude business use. Commercial auto covers your vehicles, your employees driving them, and hired and non-owned vehicles.
In Minnesota, where winter driving conditions increase accident frequency, commercial auto is a critical component of every contractor insurance program. We write commercial auto for Minnesota contractors across all trades.
Your local advisor
David Baxter
Founder & President — Maple Grove, MN
(612) 812-9292Get a Contractor QuoteWhat RightQuote does differently
- Same-day COI issuance for active policies
- Workers comp for all MN trades
- Builders risk for residential and commercial projects
- Tools and equipment on every contractor package
- Contract insurance requirement review before you sign
- Independent — no carrier quotas
Frequently asked questions
Get a Minnesota contractor insurance quote
We compare coverage and pricing across our network of 20+ A-rated carriers to build the right insurance program for your Twin Cities contracting business.