Specialized protection for general contractors, specialty trades, excavators, roofers, and construction professionals across Northern Minnesota.
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Working in construction in Minnesota means facing unique risks — frozen ground excavation, harsh winters, snow and ice management, remote job sites, and the Iron Range’s demanding projects. Standard business insurance often falls short for contractors.
Chandler Insurance understands the real-world needs of local contractors. We build customized packages that protect your business, your crew, your equipment, and your reputation.
Protection for third-party bodily injury and property damage on job sites, customer homes, and commercial projects.
Required coverage for employee injuries. Critical for crews working at heights, in trenches, or operating heavy equipment.
Coverage for work trucks, vans, trailers, and equipment haulers — including hired and non-owned auto options.
Scheduled coverage for expensive tools, machinery, and job site equipment that standard policies often exclude.
Combines liability + property for your shop, office, or storage — often the most cost-effective solution for smaller contractors.
Extra layer of protection above your primary policies — essential for larger jobs and higher-risk work.
In Minnesota, sole proprietors and single-member LLCs are generally not required to carry workers’ comp on themselves, but many general contractors and project owners require proof of coverage before you can work on their jobs. We can help structure the right solution.
General Liability covers third-party claims. A BOP bundles liability with property coverage for your tools, materials, and shop. Many smaller contractors start with a BOP and add scheduled tools/equipment or commercial auto as needed.
Yes — but you must tell us. Snow and ice management often requires specific endorsements or higher limits because of slip-and-fall exposure. We make sure your policy actually covers the work you perform.
Most contractor quotes are ready within 24–48 hours after we receive your information. Complex risks (large subs, high-risk work, or multiple states) may take a bit longer, but we move quickly.
Get a personalized contractors insurance quote tailored to your trade, crew size, and the unique risks of working in Northern Minnesota.
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