Minnesota Excavation and Grading businesses pay $220–$990/month.
Get My Free Quote →By clicking, you agree to our Terms of Use and Privacy Policy, and authorize My Digital Kube and its licensed carrier partners to contact you using the information you provide. Consent is not required to purchase insurance.
| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Minneapolis | $286–$1,287/mo | Compare → |
| Saint Paul | $275–$1,238/mo | Compare → |
| Rochester | $231–$1,040/mo | Compare → |
| Duluth | $220–$990/mo | Compare → |
| Bloomington | $260–$1,168/mo | Compare → |
| Brooklyn Park | $253–$1,139/mo | Compare → |
| Plymouth | $264–$1,188/mo | Compare → |
| St. Cloud | $216–$970/mo | Compare → |
| Eagan | $260–$1,168/mo | Compare → |
| Coon Rapids | $246–$1,109/mo | Compare → |
| Hennepin County | $286–$1,287/mo | Compare → |
| Ramsey County | $275–$1,238/mo | Compare → |
| Dakota County | $253–$1,139/mo | Compare → |
| Anoka County | $242–$1,089/mo | Compare → |
| Washington County | $246–$1,109/mo | Compare → |
| Scott County | $242–$1,089/mo | Compare → |
| Carver County | $246–$1,109/mo | Compare → |
| Olmsted County | $231–$1,040/mo | Compare → |
| St. Louis County | $220–$990/mo | Compare → |
| Stearns County | $216–$970/mo | Compare → |
Excavation and Grading businesses in Minnesota typically pay $220–$990/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Minnesota doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Excavation and Grading businesses, key covered scenarios include: Third-party property damage on a jobsite; Worker injury from fall or equipment; Subcontractor liability dispute.
Top exposures: (1) Third-party property damage on a jobsite, (2) Worker injury from fall or equipment, (3) Subcontractor liability dispute, (4) Tools and equipment theft.
Top carriers in Minnesota for Construction & Trades businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Excavation and Grading policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Minnesota cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.