General Contractor Insurance in Minnesota
You can save up to 25% in discounts on business insurance.*
Business insurance designed for general contractor business in Minnesota
NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for general contractor business so you know you’re getting coverage that was designed with you in mind. Insurance coverage for general contractor business in Minnesota often include:
- General liability
- Professional liability
- Tools & equipment
- Commercial property
You can save up to 25% on general contractor insurance in Minnesota
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Commercial Property
Per occurrence
$25,000
We specialize in providing the right type of general contractor insurance for small businesses in Minnesota
NEXT is made for entrepreneurs, hustlers and general contractor business owners in Minnesota who like to stay covered and save money.
General Liability
Bought by 95% of business owners like you
General liability insurance covers the risks that affect almost every general contractor business. It’s the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)
Bought by 80% of business owners like you
Professional liability insurance protects your general contractor business against civil lawsuits and negligence claims related to professional mistakes, whether you actually made them or a client just thinks you did. It can help to cover the cost of defending yourself or reimbursing a client.
professional liability can help you pay for:
Legal defense costs
Legal judgments
Tools & Equipment
Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs.nTools and equipment insurance is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Protection for your gear and equipment
Commercial Property
For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your general contractor business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much should a General contractor like me expect to pay for insurance in Minnesota?
Since every general contractor business in Minnesota has unique circumstances, the price of business insurance varies. There are a number of factors that we take into consideration when provide an instant quote online, including:
- If you work by yourself or have employees
- Where your work sites are located
- The kind of jobs you usually perform
- How many vehicles you use for your business
Business insurance for general contractor business in Minnesota can cost as little as $13 per month.
We’ll make this quick. With NEXT, you can get a quote and buy business insurance in less than 10 minutes.
Business insurance for General contractor in Minnesota has never been easier
A general contractor business in Minnesota is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can get:
- Covered in less than 10 minutes
- Access to your documents online whenever you need them
- Insurance advisor support via phone, email and direct chat if you have questions
We know that there’s never enough time in a day for the self-employed. That’s why we work hard to make running your business that much easier.
Frequently asked questions about general contractor business insurance
Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer general contractor business insurance in Minnesota?
Yes, NEXT Insurance offers tailored general contractor business insurance in Minnesota.
Does NEXT Insurance offer Commercial Property coverage for general contractor business in Minnesota?
Yes, NEXT Insurance offers General Liability, Professional Liability, Tools & Equipment, Commercial Property coverage for general contractor business in Minnesota.
How does business insurance protect general contractors?
Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package would help pay for a replacement.Accidents that hurt someone
A distracted homeowner trips over your extension cord, breaks their ankle and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.Workplace injuries
Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage will help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.Theft or damage to your tools
Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.Damage to your own property
A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.How can I get a certificate of insurance?
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines.
If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free.
You can easily share your COI with anyone via email, text message or a social media post.
We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.
Find out more details about your certificate of insurance.
What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
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More professions that are covered by NEXT
Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.