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State files updated Oct 27, 2026
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Minnesota contractor license bondInsurance and workers' comp

No bond for residential building contractors and remodelers.1 Commercial general liability insurance with premises, operations, products and completed operations coverage: at least $100,000 per occurrence and…1

Bond and insurance by trade in Minnesota

TradeBondInsuranceWorkers' comp
General contractorNo bond for residential building contractors and remodelers.1Commercial general liability insurance with premises, operations, products and completed operations coverage: at least…1The application must include a Minnesota workers' compensation insurance certificate and an employment insurance…2
Plumbing$25,000 code compliance bond, continuous, renewed annually.4General liability required (Minn. Stat. 326B.46).4Required.4
HVAC$25,000 (Minn. Stat. 326B.197).5Ask Dept of Labor and Industry (DLI)Ask Dept of Labor and Industry (DLI)
Roofing$15,000 surety bond + power of attorney.6Liability at least $300,000 per occurrence.6Ask Dept of Labor and Industry (DLI)

Bond and insurance rules for electrical: check with Dept of Labor and Industry (DLI).

How much is the contractor bond in Minnesota?

No bond for residential building contractors and remodelers; the contractor recovery fund fee takes its place. Residential roofers must post a bond of at least $15,000. A contractor who has caused a payout from the recovery fund must post a bond of at least $40,000 to be licensed again.1

What general liability insurance does Minnesota require?

Commercial general liability insurance with premises, operations, products and completed operations coverage: at least $100,000 per occurrence and $300,000 aggregate for bodily injury and $25,000 for property damage, or a single limit of $300,000 per occurrence and $300,000 aggregate. The insurer must be licensed in Minnesota.1

Can a Minnesota contractor be exempt from workers' comp?

The application must include a Minnesota workers' compensation insurance certificate and an employment insurance account number.2

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. Dept of Labor and Industry (DLI): bond (revisor.mn.gov, 2026-10-27)
  2. Dept of Labor and Industry (DLI): workers' comp (revisor.mn.gov, 2026-10-27)
  3. MN DLI license/registration export (dli.mn.gov, 2026-10-27)
  4. Dept of Labor and Industry (DLI): plumbing bond (mn.gov)
  5. Dept of Labor and Industry (DLI): HVAC bond (mn.gov)
  6. Dept of Labor and Industry (DLI): roofing bond (dli.mn.gov)