Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$836-$1229
Estimated Annual Premium
Monthly Average Breakdown
$82 / mo
Includes General Liability
Industry Risk Profile
Retailers mainly need premise liability for customer slip-and-falls and property insurance for inventory.
Risk Factor1x
Location Factors
- State Base Rate$920
- St.-paul Multiplier1x
- State Tax Rate6.9%
Local Compliance FAQ
Is General Liability required in St.-paul?
While Minnesota law may not mandate it for all businesses, Retail Stores often need proof of insurance to bid on local commercial projects in St.-paul.
Why is the rate different here?
Your premium reflects Minnesota's specific base rate of $920 and a local city multiplier of 1x.
Compare Retail Store Insurance in Other Minnesota Cities
Other Contractor Insurance in St.-paul
Plumber in St.-paulElectrician in St.-paulRoofer in St.-paulHVAC Technician in St.-paulHandyman in St.-paulPainter in St.-paulCarpenter in St.-paulWelder in St.-paulConcrete Contractor in St.-paulGeneral Contractor in St.-paulMasonry & Bricklaying in St.-paulExcavation Contractor in St.-paulLandscaper in St.-paulTree Service in St.-paulJanitor & Cleaning in St.-paulPest Control in St.-paulRestaurant in St.-paulFood Truck in St.-paulCatering Service in St.-paulHair Salon & Barber in St.-paulMassage Therapist in St.-paulPersonal Trainer in St.-paulAuto Mechanic in St.-paulTowing Service in St.-paulIT Consultant in St.-paulReal Estate Agent in St.-paulAccountant & CPA in St.-paulLaw Firm in St.-paulPhotographer in St.-paulE-commerce Business in St.-paul