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Contractor Insurance
in Minnesota

Contractors: Claim Free Insurance Quote

Contractors: Claim Free Insurance Quote

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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

Required by Minnesota’s DLI for licensed residential contractors. Covers property damage, injury claims, and legal fees.

Mandated if you have any employees. Covers medical bills and lost wages from jobsite injuries.

Covers vehicles used for work—like vans, trucks, and trailers—against accidents and theft.

Protects your tools from loss, damage, or theft on the job or in transit.

Covers materials and property under construction against fire, weather, or vandalism.

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:

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

Residential builders often face higher premiums due to broader project scopes.

More workers means higher workers’ comp costs and greater liability exposure.

Higher earnings can increase premiums since they often reflect bigger job risks.

Lower deductibles and higher coverage limits lead to higher premiums.

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.

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