Contractor Insurance · Minnesota
Minnesota contractors — general contractors, electricians, plumbers, HVAC techs, roofers, and other tradespeople — need insurance that's designed for the unique risks of working on other people's property. We help contractors of all sizes get the right coverage at a price that fits their business.
What's Covered
Minnesota contractors — general contractors, electricians, plumbers, HVAC techs, roofers, and other tradespeople — need insurance that's designed for the unique risks of working on other people's property. We help contractors of all sizes get the right coverage at a price that fits their business.
Covers third-party bodily injury, property damage, and completed operations claims. If your work causes damage to a client's home, a visitor is injured at your job site, or a completed project causes a subsequent problem — GL covers it. Required by most general contractors and homeowners.
Covers trucks, vans, and trailers used for work. Personal auto policies exclude business use and won't cover a claim that happens on the way to or from a job site. If your employees drive company vehicles, commercial auto is essential.
Required in Minnesota when you have employees. Construction and trades have some of the highest injury rates of any industry. Workers comp protects your employees and keeps you compliant with state law.
Covers a structure under construction against damage from fire, theft, vandalism, weather, and other perils. Typically written for the duration of the project and required by lenders and project owners.
Covers your tools, equipment, and materials at job sites, in transit, and at your shop. Standard commercial property covers only a fixed location — inland marine follows your equipment wherever it goes.
Adds additional liability protection above your GL and commercial auto limits. Often required by commercial contracts — $2M, $5M, or higher umbrella limits are common in larger construction projects.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Yes. Most homeowners and commercial clients require proof of insurance before allowing a contractor to work on their property. And without coverage, a single accident could be financially catastrophic. Even a one-person operation needs GL and commercial auto at minimum.
GL covers property damage and bodily injury caused by your work. Professional liability (contractor's E&O) covers design errors and bad advice. Most general contractors need both; trade contractors typically need only GL plus completed operations coverage.
If you use a truck primarily for business, your personal auto policy likely excludes coverage. An accident that happens on the way to a job site could be denied. Commercial auto is required for any vehicle used regularly for business.
Clients and general contractors frequently request certificates of insurance naming them as additional insureds. We handle COI requests quickly — typically same day — and make sure your policy includes the additional insured language your clients require.
