Contractor insurance built for the way you work.

Every job site comes with risk—tools, equipment, and liability. Whether you're a general contractor or a specialized tradesperson, the right insurance keeps your work protected and your business moving. We serve contractors across Minnesota, Iowa, and Wisconsin with policies tailored to your trade and tools.

What does contractor insurance cover?

General Liability Insurance

A hand is holding a dollar sign with arrows pointing up.

Protects you if someone is injured or property is damaged as a result of your work. It’s often required for licensing and contracts.

  • Job site injuries
  • Property damage claims
  • Legal defense and settlements

Tools and Equipment Coverage

A black and white drawing of a wrench and a screwdriver on a white background.

Covers your tools, machinery, and equipment whether they’re on a job site, in transit, or stored.

  • Theft or loss of tools
  • Equipment damage
  • Rental equipment coverage

Commercial Auto Insurance

A black and white drawing of a dump truck on a white background.

Covers the vehicles you use for work—whether it’s a pickup, trailer, or a full fleet.

  • Company trucks and vans
  • Liability coverage
  • Comprehensive and collision coverage

Workers’ Compensation

A man in a hard hat is holding a coin with a dollar sign on it.

Required in most cases, this protects your team if they’re injured on the job. It also protects you from costly lawsuits.

  • Lost wages
  • Medical expenses
  • Employer liability protection

Common questions about contractor insurance.

  • What kind of contractors need insurance?

    Any licensed contractor—from general to electrical, HVAC, and more—should carry insurance to protect their business and meet job requirements.

  • Is contractor insurance required in Minnesota?

    Many licenses and job contracts require proof of liability insurance at a minimum. Workers’ comp is also required if you have employees.

  • Can I cover subcontractors under my policy?

    Some policies allow it, but it's best for each subcontractor to carry their own. We’ll help you set up a policy that fits your business model.

  • Can I bundle contractor insurance with other policies?

    Yes. You can often bundle general liability, commercial auto, and tools coverage into one convenient policy.

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