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Protect Your Work, Crew & Tools

Contractor Insurance for Builders and Trades

From small artisan contractors to large general contractors, every project carries risk. Johannes Agency provides contractor insurance designed for Minnesota’s builders, remodelers, and trade professionals. With more than 33 years of experience, we help protect your people, property, and livelihood so you can focus on the job.

What’s Included in Contractor Insurance Coverage

Contractor insurance can be tailored to your trade and project size, but most contractors need these standard coverages:

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General Liability

Protects against claims of property damage or injury caused by your work.

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Commercial Property

Covers offices, shops, storage yards, and valuable equipment.

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Workers’ Compensation

Provides coverage for employee injuries and lost wages.

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Commercial Auto

Insures vehicles and trailers used to transport crews, tools, and supplies.

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Tools & Equipment Coverage

Protects hand tools, power equipment, and machinery on and off the job site.

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Builder’s Risk Insurance

Covers materials and structures while a project is under construction.

Trades and Contractor Services We Insure

We work with a wide range of building and trade professionals across West Central Minnesota, including:

  • Artisan Contractors

    Carpenters, plumbers, electricians, painters, and roofers.

  • General Contractors

    Builders managing entire residential or commercial projects.

  • Remodeling & Renovation Companies

    Contractors working on additions and upgrades.

  • Specialty Trades

    HVAC installers, masons, flooring experts, and more.

Contractor Insurance FAQs

Here are answers to common questions Minnesota contractors ask about insurance:

  • Is contractor insurance required in Minnesota?

    Many contractors are required to carry liability insurance, especially if licensed by the state. Workers’ compensation is also mandatory for most businesses with employees. Our agents can guide you through what’s legally required for your trade.

  • What’s the difference between general liability and builder’s risk coverage?

    General liability covers third-party injuries or damage caused by your work, while builder’s risk protects the actual structure and materials during construction. Many contractors need both types for complete protection.

  • Do subcontractors need their own insurance?

    Yes. If you hire subcontractors, you’ll want to confirm they carry their own liability and workers’ compensation coverage. Otherwise, you could be held responsible for their claims.

  • How does contractor insurance protect my tools and equipment?

    Specialized coverage reimburses you for stolen or damaged tools, equipment, or machinery. This includes protection both on the job site and in storage.

  • Can Johannes Agency insure small, one-person operations?

    Absolutely. Whether you’re a solo carpenter or run a crew of 20, we’ll help you build a policy that fits your size and risk level.