Contractor
Insurance Built
Around the
Way You Work
Protect your painting, electrical, plumbing, HVAC, or flooring business with insurance options tailored to your trade. Kriener Agency helps contractors explore coverage for liability, business vehicles, workers, and equipment.
Get straightforward guidance from a local agency that takes the time to understand your business.
- Licensed in MN & WI
- Multiple carriers
- Local office in Woodbury
Serving contractors in Minneapolis, St. Paul, Woodbury, Lakeland, and surrounding communities. Coverage availability varies.
Let’s Talk Contractor Insurance
Tell us a little about your business. Our team will review your needs and help you explore available insurance options.
Submitting this form does not bind, change, or cancel any insurance coverage. Coverage is not in effect until confirmed in writing by the insurer or an authorized agent.
Coverage That Works
as Hard as You Do.
Whether you’re painting a home, installing electrical systems, repairing plumbing, servicing HVAC equipment, or laying new flooring, your work comes with its own risks. Explore coverage options designed to address the exposures your contracting business may face.
General Liability
A job-site accident, accidental property damage, or third-party injury claim can put pressure on your business. General liability can help protect against covered claims arising from your operations, subject to policy terms.
Commercial Auto
If you use vehicles to travel between job sites, transport materials, or carry equipment, commercial auto coverage may help protect your business against covered vehicle-related losses.
Workers’ Compensation
When you have employees, a work-related injury can create financial and operational challenges. Workers’ compensation may provide benefits for eligible work-related injuries, subject to applicable law and policy requirements.
Tools & Equipment
Your tools are essential to getting the job done. Ask about coverage options for eligible tools and equipment against covered loss or damage, including whether protection applies while equipment is in transit or at a job site.
Business Owners Policy
Depending on your business and eligibility, a BOP may combine general liability and commercial property coverage into one package. We’ll help you determine whether this option fits your operation.
Not sure which
coverage you need?
Tell us about your trade, crew, vehicles, and equipment. We’ll walk you through the options that may fit and explain the differences in plain language.
All coverage is subject to carrier eligibility, underwriting, exclusions, limits, deductibles, and policy terms. Not every coverage type is available to every contractor.
Insurance for Your Trade.
Guidance for Your Business.
Every contracting trade has different responsibilities, equipment, and day-to-day exposures. Kriener Agency can help you explore insurance options based on the type of work you perform.
Painting Contractors
Electrical Contractors
Plumbing Contractors
HVAC Contractors
Flooring Contractors
Painting Contractors
Protect your business against covered liability claims associated with painting projects, property damage, and day-to-day operations.
Electrical Contractors
Protect your business against covered liability claims associated with electrical installations, service work, and day-to-day operations.
Plumbing Contractors
Protect your business against covered liability claims associated with plumbing installations, repairs, water damage, and day-to-day operations.
HVAC Contractors
Protect your business against covered liability claims associated with HVAC installation, service, maintenance, and day-to-day operations.
Flooring Contractors
Protect your business against covered liability claims associated with flooring installation, property damage, and day-to-day operations.
Built Around Your
Business. Ready for
Real-World Risks.
Running a contracting business means managing projects, customers, materials, and deadlines. Insurance shouldn’t add unnecessary confusion.
Coverage That Fits Your Trade
We start by learning about your work, business operations, vehicles, and equipment before exploring suitable insurance options.
Options From Multiple Carriers
Kriener Agency works with multiple insurance carriers, helping you compare available options and understand differences in coverage, limits, and deductibles.
Straightforward,
Personal Guidance
Get clear explanations of your options and a point of contact for questions, policy changes, certificates, and claims support.
One Contracting Business.More Ways to Cover It.
Kriener Agency gives you access to multiple insurance carriers, so you can compare options that fit your trade instead of settling for a one-size policy.
Local Insurance
Guidance for Twin
Cities Contractors
Based in Woodbury, Minnesota, Kriener Agency serves customers in Minnesota and Wisconsin. We welcome quote inquiries from eligible contractors working throughout the Twin Cities east metro and surrounding communities.
Kriener Agency, Woodbury
670 Commerce Drive, Ste 210
Woodbury, MN 55125
Mon–Thu 8:30 AM – 5:00 PM
Fri 8:30 AM – 4:30 PM
Think Your BusinessIs Fully Covered?Let’s Take aCloser Look.
- Added vehicles
- Invested in new tools
- Took on different projects
- Changed how you staff jobs
Get a second look.
Your business may have changed since you purchased your current policy. Kriener Agency can review your existing coverage and help you understand potential gaps, available options, and questions worth discussing with your insurer.
Have your current declarations page available if you’d like us to review your existing policy. Any changes to coverage must be confirmed by the insurer or authorized agent.
ContractorInsuranceQuestions,Answered Clearly
Straight answers to what painters, electricians, plumbers, HVAC techs, and flooring installers ask us most.
General liability is an important starting point for many painting contractors. Depending on your operation, you may also need commercial auto, workers’ compensation, tools and equipment coverage, or a business owners policy. Your actual needs depend on your work, contracts, employees, and applicable requirements.
General liability is commonly a core coverage for electricians, plumbers, and HVAC contractors because job-site work can lead to third-party property damage or injury claims. Many clients, contracts, and licensing requirements also ask for proof of coverage, so it’s worth confirming what applies to your trade and location.
Personal auto policies often limit or exclude coverage when a vehicle is used for business, such as hauling tools, materials, or equipment to job sites. If you or your employees drive trucks or vans for work, commercial auto is worth reviewing. Your insurer can confirm how a specific vehicle and use would be handled.
Using subcontractors or 1099 workers can affect your insurance in different ways. Carriers may ask for certificates of insurance from your subs, and worker classification can come into play for workers’ compensation and audits. It’s a good topic to review before your policy renews.
Tools and equipment coverage may help protect your tools, machinery, and equipment from covered losses such as theft or damage, including when they’re away from your shop or in a work vehicle. Limits, deductibles, and covered causes of loss vary by policy.
Yes, in many cases. Kriener Agency can help you look at combinations such as general liability, commercial auto, workers’ compensation, tools and equipment, or a business owners policy, depending on carrier availability and your business details.
Kriener Agency works with contractors in [your service area]. Availability of coverage and carriers can vary by state and by trade, so reach out to confirm what’s offered for your location.
No. Requesting a quote or coverage review doesn’t change or cancel your current policy. Any changes to coverage must be confirmed by the insurer or authorized agent, so keep your existing policy in force until you’ve received that confirmation.
Your Business. YourCraft. CoverageWorth Reviewing.
From painting and electrical work to plumbing, HVAC, and flooring, your business deserves an insurance review that considers how you actually operate. Talk with Kriener Agency about your contracting business and explore coverage options that fit your needs.