How much does General Contractor insurance cost in Duluth, Minnesota?

The estimated annual cost for a General Contractor in Duluth with one employee is between $1588 and $2335. The state base rate is $920.

What insurance is required for a General Contractor in Minnesota?

In Minnesota, businesses are subject to a 6.9% insurance tax. General Contractors typically need General Liability due to a risk factor of 1.9.

General Contractor Insurance Cost in Duluth, Minnesota (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

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
Duluth Multiplier1x
State Tax Rate6.9%

Local Compliance FAQ

Is General Liability required in Duluth?

While Minnesota law may not mandate it for all businesses, General Contractors often need proof of insurance to bid on local commercial projects in Duluth.

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

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How much does General Contractor Insurance cost in Duluth?