Contractor Insurance

Minnesota Builders Risk Insurance

Builders risk insurance (also known as course of construction insurance) is a specialized policy that protects property and construction materials during a renovation or construction project. If you have a financial stake in a construction project, getting Minnesota builders risk insurance is a must.

While exact limitations and coverage can differ from one provider to another, builders risk insurance in Minnesota may also provide coverage for theft and vandalism. Essentially, builders risk insurance for Minnesota protects the construction site from vandalism, catastrophes, and other natural disasters.

If you need help figuring out the best builders risk insurance to suit your needs, our helpful and expert risk managers can help. General contractors, property owners, and custom homebuilders should invest in Minnesota builders risk insurance to properly protect their construction projects.

Minnesota builders risk insurance is often considered a condition to meet contractual arrangements or comply with government regulations. Our competent and seasoned risk managers can also help you figure out other threats that additional policies can cover.

Builders Risk Insurance Minnesota

Minnesota builders risk insurance can also provide coverage against hazards to the building structure, equipment, materials and supplies, and machinery. It won’t cover landscaping, construction materials in transit, and construction trailers. However, you can get coverage for any excluded items at additional premiums.

While obtaining a Minnesota builders risk insurance is straightforward, ensuring you get the suitable coverage, limit, and policy type requires the guidance of our expert risk managers. Our risk managers have a thorough understanding of the construction industry and the common construction-related risks.

What Minnesota Builders Risk Insurance Covers

You can structure your Minnesota builders risk insurance to cover the following:


Builders risk insurance in Minnesota covers the building and the structures found on the premises. This includes foundations, equipment, machinery, and fixtures used to service the facility or building. It also covers the supplies and building materials that are a permanent part of the construction project.

Equipment Breakdown

This covers damage to property caused by artificially generated content, mechanical breakdown, and the explosion of steam boilers.

General Liability

This protects against legal liabilities caused by personal injury, advertising injury to others, and property damage.

Ordinance and Law

This covers the cost of rebuilding or repairing damage caused by ordinances or municipal laws that regulate the construction or repair of damaged buildings.

Modular Components

Businesses typically keep costly and important equipment and materials in off-site modular units. Minnesota builders risk insurance protects modular units and the components used while in transit or as temporary storage.


Construction businesses and contractors usually test out any newly installed equipment. In the event of a physical loss caused by electrical, mechanical, pneumatic, and hydrostatic testing, builders risk insurance Minnesota covers the cost of the loss.


Aside from equipment, material, and labor, your Minnesota builders risk insurance can be structured to cover your profits. The coverage ensures that you get a pro-rata reimbursement of the profits you made as of the date of the loss.

Identity Restoration

Identity restoration can protect business owners who are victims of identity theft.

Importance of Builders Risk Insurance

If you work in a place that’s susceptible to severe weather or use materials prone to damage, getting Minnesota builders risk insurance is a smart move. Understandably, it is wise to pick a coverage that protects you and your investment from any unforeseen risks.

Our helpful, competent, and experienced insurance brokers are always available to help you pick the amount and type of builders risk insurance that will suit your needs best.

Cost of Builders Risk Insurance

The typical cost of a Minnesota builders risk insurance is approximately one to four percent of your total construction cost. However, you have to also consider the exclusions of the property and the type of coverage when determining the cost. We will ensure your claims are expedited and other likely claims are processed immediately when you work with us.

We are Your Best Choice for Builders Risk Insurance in Minnesota

If you want to invest in the right builders risk insurance in Minnesota, we are your best choice. Our seasoned and expert insurance professionals can help you determine the ideal builders risk insurance for your business. To make the decision-making process easier for you, they will also answer any questions you may have.

We have been regarded as the #1 and most affordable insurance provider for many years now. Our remarkable 96.4% client retention rate is a solid testament to the exceptional service that has become our trademark. Aside from superb coverage, our valued clients also get to enjoy exclusive programs.

Want to get a free competitive insurance quote in just minutes? Fill out our form or give us a call at 888-505-9012.

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