Contractor Insurance
in Minnesota
Get the Coverage You Need to Operate Legally and Safely in Minnesota
Contracting in Minnesota comes with challenges—harsh winters, strict licensing requirements, and jobsite risks that can derail your project. Whether you’re a licensed residential builder or a specialty remodeler, having the right insurance is non-negotiable.
At ACI, we provide affordable, compliant insurance designed for Minnesota contractors. From same-day certificates to bundled policies, we make protecting your crew and staying compliant easy.
Why Contractors in Minnesota Choose ACI
Fast Certificates
Get proof of insurance for job permits or licensing fast.
Custom Quotes
Plans designed around your trade, crew size, and risk level.
Local Expertise
We understand Minnesota’s DLI rules and contractor license types.
Affordable Coverage
Bundle policies and save on your total premium.
Insurance Coverage We Offer in Minnesota
We offer coverage options for general contractors, remodelers, and trade pros across the state
- General Liability Insurance
Required by Minnesota’s DLI for licensed residential contractors. Covers property damage, injury claims, and legal fees.
- Workers’ Compensation Insurance
Mandated if you have any employees. Covers medical bills and lost wages from jobsite injuries.
- Commercial Auto Insurance
Covers vehicles used for work—like vans, trucks, and trailers—against accidents and theft.
- Tools & Equipment Insurance
Protects your tools from loss, damage, or theft on the job or in transit.
- Builder’s Risk Insurance
Covers materials and property under construction against fire, weather, or vandalism.
- Professional Liability Insurance
Essential for design-build contractors or consultants. Protects against claims of negligence or errors.
Who We Cover in Minnesota
From solo tradespeople to full residential contractors, ACI insures:
- Residential Builders (RBCs)
- Remodelers
- Roofers
- HVAC Contractors
- Electricians
Whether you build new homes or retrofit old ones, ACI has your trade covered.
How Much Does Contractor Insurance Cost in Minnesota?
Most Minnesota contractors can get started for under $100/month, depending on trade and crew size.
Cost Factors
- Type of License (RBC vs. Remodeler)
Residential builders often face higher premiums due to broader project scopes.
- Number of Employees
More workers means higher workers’ comp costs and greater liability exposure.
- Annual Revenue
Higher earnings can increase premiums since they often reflect bigger job risks.
- Deductible and Policy Limits
Lower deductibles and higher coverage limits lead to higher premiums.
- Claims History
Prior insurance claims may raise your rates due to increased perceived risk.
Example Deductibles:
Policy Type | Typical Deductible |
General Liability | $500–$1,000 |
Builder’s Risk | $1,000+ |
Workers’ Comp | $0 deductible |
Find out how much you could save—get a free, custom quote today.
Minnesota Contractor Insurance Requirements
General Liability Insurance
Required for residential building contractors and remodelers licensed through the Minnesota Department of Labor and Industry (DLI).
Workers’ Compensation Insurance
Required for any business with one or more employees.
Commercial Auto Insurance
Applies to vehicles used for business purposes—required separately from personal auto policies.
Requirements vary by trade and license class. Contact us for help navigating DLI rules.
Get a Free Contractor Insurance Quote
Minnesota
Let’s get you covered—fast, easy, and built for Minnesota contractors. Get your free, personalized insurance quote today.