Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1588-$2335
Estimated Annual Premium
Monthly Average Breakdown
$156 / mo
Includes General Liability
Industry Risk Profile
General contractors oversee entire sites, assuming the cumulative risks of subcontractors, structural integrity, and job site safety.
Risk Factor1.9x
Location Factors
- State Base Rate$920
- St.%20paul Multiplier1x
- State Tax Rate6.9%
Local Compliance FAQ
Is General Liability required in St.%20paul?
While Minnesota law may not mandate it for all businesses, General Contractors often need proof of insurance to bid on local commercial projects in St.%20paul.
Why is the rate different here?
Your premium reflects Minnesota's specific base rate of $920 and a local city multiplier of 1x.
Compare General Contractor Insurance in Other Minnesota Cities
General Contractor in MinneapolisGeneral Contractor in St. PaulGeneral Contractor in RochesterGeneral Contractor in Duluth
Other Contractor Insurance in St.%20paul
Plumber in St.%20paulElectrician in St.%20paulRoofer in St.%20paulHVAC Technician in St.%20paulHandyman in St.%20paulPainter in St.%20paulCarpenter in St.%20paulWelder in St.%20paulConcrete Contractor in St.%20paulMasonry & Bricklaying in St.%20paulExcavation Contractor in St.%20paulLandscaper in St.%20paulTree Service in St.%20paulJanitor & Cleaning in St.%20paulPest Control in St.%20paulRestaurant in St.%20paulFood Truck in St.%20paulCatering Service in St.%20paulHair Salon & Barber in St.%20paulMassage Therapist in St.%20paulPersonal Trainer in St.%20paulAuto Mechanic in St.%20paulTowing Service in St.%20paulIT Consultant in St.%20paulReal Estate Agent in St.%20paulAccountant & CPA in St.%20paulLaw Firm in St.%20paulPhotographer in St.%20paulRetail Store in St.%20paulE-commerce Business in St.%20paul