Business Details
44 Years
experience
Minnesota Contractors Insurance Experts
Contractors Policy is a dedicated insurance provider specializing in comprehensive coverage solutions for construction professionals across Minnesota. With a rich history dating back to 1982, our agency has built a strong reputation for delivering personalized service and expert guidance in the contractor insurance space. As independent agents, we leverage relationships with multiple insurance carriers to find competitive rates and tailored policies that address each client's unique needs. Our team understands the specific risks and challenges faced by contractors in the region, allowing us to provide targeted advice and effective risk management strategies. We emphasize transparency in all our dealings, ensuring clients receive honest assessments of their coverage options without pressure sales tactics.Our comprehensive approach includes general liability insurance, commercial auto policies, workers' compensation, and surety bonds, covering all major aspects of contractor risk management. What distinguishes us is our unwavering commitment to putting clients' interests first, offering policy reviews and recommendations that genuinely benefit their operations. From initial quote requests to certificate issuance and policy renewals, we've streamlined our processes to deliver efficient service without compromising the personal touch that defines our business. Whether you're a seasoned contractor or establishing your construction business, you'll find a reliable partner in our agency dedicated to protecting your enterprise and supporting your success in Minnesota's competitive construction industry.
Services
General Liability Insurance
Commercial Auto Insurance
Workers Compensation Insurance
Surety Bond Cost
Builders Risk Insurance
Contractors License Requirements
Insurance Policy Review
Risk Management
Premium Financing
Personal Insurance Services
Details
- Year established: 1982
Highlights and features
- We have over 40 years of experience in the insurance industry
- We work with over a dozen contractor insurance markets
- We provide personalized service and policy reviews
- We offer efficient electronic systems and quick certificate processing
- We prioritize our clients' interests with honest recommendations
Services
General Liability Insurance
Our general liability insurance protects Minnesota contractors from financial losses due to property damage, bodily injury, or personal injury claims. This essential coverage safeguards your business operations, providing peace of mind for construction professionals. With our expertise in the contractor insurance market, we secure policies that offer comprehensive protection at competitive rates.
Commercial Auto Insurance
We provide commercial auto insurance for contractor vehicles including pickups, cars, box trucks, delivery vehicles, and tow trucks. Our policies protect your business-related vehicles against accidents, theft, and property damage. With our industry knowledge, we help Minnesota contractors secure appropriate coverage that meets their specific business needs and budget.
Workers Compensation Insurance
Our workers' compensation insurance offers financial protection for work-related injuries or illnesses. This coverage addresses medical expenses and lost wages for employees. We assist Minnesota contractors through the process of obtaining and maintaining required workers' compensation coverage, ensuring compliance with state regulations while protecting their workforce.
Surety Bond Cost
We offer various surety bonds including license & permit bonds, construction bonds, and commercial bonds for Minnesota contractors. Our services help businesses meet bonding requirements for licensing and project contracts. We work to secure competitive bond pricing that aligns with each contractor's specific needs and risk profile.
Insurance Policy Review
Our policy review service examines existing insurance coverage to ensure adequacy and identify potential gaps. We provide recommendations for improving protection where necessary. This service helps Minnesota contractors maintain optimal coverage levels that properly address their business risks and industry requirements.
People
Rick McIntosh
CEO
With over 40 years of industry experience, Rick McIntosh leads our agency with a commitment to providing personalized service to Minnesota contractors. He leverages his extensive knowledge of the construction industry to help clients find cost-effective insurance solutions tailored to their specific needs.
Questions
What types of insurance do you offer for Minnesota contractors?
We offer general liability insurance, commercial auto coverage, workers' compensation, surety bonds, builders risk insurance, and more tailored for Minnesota construction professionals.
Can you help with Minnesota contractor license requirements?
Yes, we understand Minnesota's contractor license requirements and can help ensure you have the appropriate insurance coverage and documentation needed for licensing.
Do I need workers' compensation insurance if I don't have employees?
If you're a sole proprietor without employees in Minnesota, you may not need workers' compensation insurance, but we can help you understand your options and requirements.
How can I save money on my liability insurance premiums?
We work with multiple carriers to find competitive rates, and we can help you implement risk management strategies that may reduce your liability insurance costs.
What payment methods do you accept for insurance premiums?
We accept Visa, Mastercard, cash, or check payments for insurance premiums, making it convenient for our Minnesota contractor clients.
Can I get an insurance certificate quickly?
Yes, we offer electronic signing and can provide insurance certificates quickly to help Minnesota contractors meet project requirements efficiently.
