Home Builders Insurance

Complete Our Home Builders Insurance Quote Form

Home Builders insurance – As a home builders in Minnesota, you need good insurance. Requesting a general liability insurance quote for your home building and development company from us, is a very good start.

You work so hard each day to build your contracting business. Building homes, developing land, some people would refer to you as a paper contractor. Don’t take the risk of not having coverage or not having the right coverage. Our experts speak contractors insurance! This is what we do. What are you good at?
We quote multiple home builder 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 home builders insurance.

The home building market is really coming back here in Minnesota. We insure contractors all over the state. Minneapolis to Rochester and Lakeville to Duluth. Do yourself a favor and contact us today. Our goal is to help home builders find affordable coverage. We do 100’s of certificates for the Minnesota Department of Labor and Industry each year. Can we do yours?

General Liability Insurance for Home Builders

Minnesota home builder insurance is general liability insurance and is really the core policy for Minnesota home builders. General contractors, papers contractors and home builders buy this policy first. What does general liability insurance cover? General liability insurance covers bodily injury and property damage claims. Minnesota home builders 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 clams presented. It’s important you understand the basics here, because you should a contract, with a hold harmless agreement and insurance requirements with your sub-contractors. We have some examples to share, just ask.

General liability insurance is calculated using your gross sales, owner payroll, employee payroll, sub-contractor labor costs and materials in some cases. Minnesota home building contractors often need builders risk insurance for the properties they are building until sold. Securing and matching insurance policy for home builders and construction companies is an art. We work with builders like you every day. Take the next step and ask a question or request a Minnesota General Contractors Insurance quote. You might be delightfully surprised.

Business Owners Policy (BOP) General Contractors

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 not contractors, home builders and paper contractors sub-contracting most of their business.

Contact Us for Quote

We are ready to discuss your Minnesota home builders insurance. Tell us about your business. Pick up the phone right now or use the short form to the right. Request your MN home builders insurance quote now!