Minnesota General Contractors Insurance

General Contractors Insurance. As a general contractor in Minnesota, you work hard each day to build your general contracting business. Having insurance for your contracting business is a must, but you want a low-cost insurance quote. Your expertise is not working with insurance each day, it’s being a general contractor. Relax and trust our contractor insurance services. Working with contractors in Minneapolis, Eagan, West St. Paul, Hastings, Duluth, and Lakeville to mention a few. Paper contractors insurance and home builders insurance are our specialties. We quote multiple general contractor insurance companies to find you the best rate and the right coverage. Provide your information once, let us shop for you. Make us the first and your last call for Minnesota general contractor insurance.

General Liability Insurance for General Contractors

Minnesota general contractors insurance general liability insurance is really the core policy Minnesota generals, papers contractors, and home builders buy. What does contractor’s insurance / general liability insurance cover? General liability insurance covers bodily injury and property damage claims. Minnesota general liability insurance protects your, premises, product, operations, and completed operations. Often MN insurance companies will include a $1,000 property damage deductible. This should be taken into consideration when picking the best insurance for your contracting business. Common limits of liability coverage are $1,000,000/$2,000,000. The $1,000,000 represents the per occurrence limit or per claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented. It’s important you understand the basics here because you should have a contract, with a hold harmless agreement and insurance requirements with your sub-contractors. We have some examples to share, just ask.

My General Contractor is Looking for Proof of Insurance

Many times a general contractor will be asking for a certificate of insurance so you can work and get paid.  Fifty percent of the time they are just looking for general liability insurance. Sometimes they are also looking for additional insured status to be added or commercial auto insurance and workers compensation insurance too.

Business Owners Policy (BOP) 

Sorry, general contractors, home builders, and paper contractors do not qualify for a general liability insurance policy, that mixes liability, building coverage, business personal property. A BOP is used more for Minnesota retail businesses and generally not contractors, home builders, and paper contractors sub-contracting most of their business.

Contact Us for Quote – General Contractors Insurance

Tell us about your business, we are listening. We ready to discuss your Minnesota contracting insurance needs. Do yourself a favor and call us at 952-469-0425 or use our quick quote form on this page. Request your Minnesota contractor insurance quote now!