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Customized contractor’s insurance coverage for our contractor friends in Minnesota, Wisconsin, Iowa, North Dakota and South Dakota. Buy only the coverage’s that you need. Offering low cost contractors insurance for your business. General liability insurance, workers compensation and business auto insurance quotes from honest agents. We make it easy and help you understand the contractor’s insurance policy you are buying. With electronic signing and payment by phone, we can have a certificate in your hand the very same day in most cases. Trust our experienced professionals and request your quote now. It’s free and there is no obligation.

The trades we serve best:

  • Plumbers
  • Roofing
  • Electricians
  • Heating / Air / HVAC
  • General Contractors
  • Home Builders
  • Carpenters
  • Drywall
  • Painting
  • And many, many others.
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Low Rates on Contractors Insurance

Affordable rates on almost every type of contractor, Guaranteed. Fast certificates for your general contractor, customer or the state. Contractors throughout MN, WI, IA, ND & SD praise our services. Purchasing contractors insurance can be easy, when you talk to the right people, us :). It all starts with requesting a quote. It’s fast, simple and free!
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Low Rates on Commercial Auto Insurance

  • Most Competitive Pricing
  • High Quality Coverage
  • Multi Policy Discounts
  • Free MVR Checks
  • Low Down Payments
  • Free Annual Loss Control Analysis
  • Free Renewal Policy Reviews
  • Full Glass Coverage
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Workers Compensation Insurance Quotes

SUPER LOW rates on almost every Workers’ Comp classification. From startup businesses to well established companies, we have the perfect workman’s compensation insurance program for you. Don’t have employees but a ghost or waiver policy to work and get paid? Look no further! Discover why on the average, our clients pay 17% less than the state averages.
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What Does General Liability Insurance Cover?

Lots of things. Basically bodily injury and property damage to a 3rd party. Third party is defined that the person is not an employee, owners or officer of the insured business entity. Premises, products, operations and completed operations coverage. It doesn’t cover poor workmanship. Terms like, additional insured, primary and non-contributory, waiver of subrogation, transfer of rights are common additions with general liability insurance coverage. Call us if you have questions. It can be confusing. We are always willing to help.

How to Pick a Workers’ Compensation Carrier

Please consider these 5 things, we do. Financial Stability, Claims Handling Practices, Risk Management Resources, Experience in Your Industry and Tenure in the Industry. Then let our Workers Compensation Insurance Specialists do their thing. Shopping multiple markets and able to bring affordable workman’s compensation insurance to the table, fast and on budget.

My general contractor needs to be listed as an additional insured, what is that?

An additional insured is basically the sharing of your liability limits with them. There are pros and cons that we can gladly share with you. It is very common and companies can charge additional premium depending on your contractors insurance or commercial auto insurance policy.

Now helping contractors with insurance in 5 states and counting:

  • Low-cost contractor’s insurance in Minnesota
  • Affordable contractor’s insurance in Wisconsin
  • Low-priced contractor’s insurance in Iowa
  • Cheap contractor’s insurance in North Dakota
  • Dirt-cheap contractor’s insurance South Dakota


Edgar V.

We did a lot of comparison shopping before connecting with these guys. They had the right answers to my questions and a professional towards our business. Did I mention they saved us almost $1,200. I refer them to other contractors every chance I get. 5 stars. Not sure how many gift cards they have sent me.

Jose A.

My experience with has been excellent. They saved me about $4,000. That really helps our bottom line and wish we would have found them years ago. They are friendly, we joke and kind around, but when it comes to business, the professionalism shines. Rick McIntosh and Ashley make the difference in our contractor insurance budget. They have my business. Give them a try.

Jack M.

The service from this agency is incredible! Our certificates are normally done the same day. When we call, they always call back. Hard to believe someone wouldn’t call you back. Well my last agent found out just how well that works. I would highly recommend Rick McIntosh to any of my friends.

Kathy W.

I became a client back way back in 2006. After writing my contractors insurance and workers compensation insurance, then were then able to save me a $1,000 on my auto and home insurance. Happy is an understatement. Other agents call me from time to time, but Rick has earned my business, many times over. Call these folks.

Mike B.

As a local small business owner I know how important it is to provide quality service to all your customers. That is why I will only do business with Rick McIntosh. He has advised me on the correct coverage I need to protect me at a cost effective price. He and his staff turn around all certificate requests and questions with in a few hours.

Josh H.

Rick McIntosh and his staff people made me feel very comfortable. They also were more helpful than other insurance agents. Rick got back to me in 10 minutes with a quote, and I’m still waiting for a quotes from those other agencies!

Rose J.

I received a quote on my contracting business within 20 minutes. Rick sent the applications electronically, no paper to print or fax back I had a certificate within the hour! That was FAST and the coverage was better than another quote I receive for more. What can I say… Call Rick!

Joel S.
Eau Claire, WI

I would like to say “Thank You” to everyone at As a new business owner, there was so much to do and all of the policy information can be very confusing. Rick sat down with me and explained it all in great detail and got it done quickly and with reasonable rates. Also, anytime I have a question, Ashley is right there to help me out. THANK YOU Rick!

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