Insurance Coverage Options

Commercial Coverage for Contractors

Construction comes with different risks, such as property damage or injury. As such, it’s vital to protect yourself and your business from such risks. Here are insurance plans you should have:

  Business Insurance for Contractors

Business insurance protects your business in the event of any risk, such as fire and damage. It protects your business assets and employees.

  Workers’ Compensation

Workers’ compensation insurance covers lost wages and medical costs for employees as a result of work-related injuries. If you have employees, you’ll need to have this plan.

  Commercial Auto

With commercial auto insurance, you get liability and physical damage protection for vehicles that are used for business. This includes vans, trucks, cars, etc.

  Umbrella Insurance

Umbrella insurance offers extra coverage beyond the limits of your other insurance plans. So, if you need extra coverage for employees, assets, and business, this is a great option.

  Inland Marine

Also known as a “floater” policy, inland marine insurance covers your insured property wherever it goes. It is ideal for protecting materials, equipment, and vessels.


Property Insurance

Whether you’re a property owner or renter, property insurance can be helpful. It provides coverage for damages caused by weather, floods, fire, theft, and other risks. Here are key options you’ll need as a property owner or tenant:

  Home Insurance

This is a private residence coverage, and it protects your house and your family from the unexpected. This includes theft, property damage, fire, water damage, or bodily injuries on your property.

  Renters Insurance

Renters insurance covers unexpected events at your rental unit, such as injuries, theft, fire, and vandalism. It provides some of the benefits of homeowners insurance, and some landlords require this plan in their agreements.

  Condo Insurance

Packaged specifically condominium units, this policy protects condo owners against repair costs and unexpected losses. It covers your condo and your personal belongings in the event of risks.

Vehicle Coverage

An auto insurance policy protects you in various situations involving your vehicle. This includes fire, theft, accidents, damage. Here are coverage options for vehicle owners:

  Personal Auto Insurance

This policy covers your personal or private vehicle in case of damage, accident, and injury to others. There are various insurance plans available to personal car owners.

  Boat Insurance

Whenever you’re boating, you can have peace of mind if you have this cover for your boat. This policy covers all boat types, including sailboats, powerboats, cruisers, yachts, PWCs, and more.

  Motorcycle Insurance

Enjoy long summertime rides with this motorcycle insurance policy. It protects you and your motorcycle on the road against injuries, damage, theft, etc.

  RV Insurance

RV insurance is different than car insurance, offering a custom solution for travel trailer and motorhome owners. It offers protection against fire, storms, theft, collision, etc.

Other Coverage

In addition to the standard options above, you can also get insurance plans unique to your situation, needs, or activity. This includes:

  Farm Insurance

Farm insurance combines homeowners, commercial property, and commercial liability coverages to provide a dedicated solution to farm owners. This policy covers both residential and commercial aspects of a farm.

  Life Insurance

This plan provides guaranteed financial protection for the entire of your life, and it’s available in different options. It caters to mortgage payments, funeral expenses, college costs, etc. to protect you and your loved ones.

Pillar Insurance Advisors

Pillar Insurance Advisors

Your Local Trusted Insurance Advisors!


Call Us Now

(763) 205-6666

Office Address

7865 Hwy 55
Rockford, MN 55373

Mailing Address

PO Box 550
Rockford, MN 55373

Service Areas

At Pillar Insurance Advisors, we offer insurance in Rockford MN, Loretto MN, Delano MN, Medina MN, Maple Grove MN, Minnetonka MN, Orono MN, Plymouth MN, Wayzata MN, Corcoran MN, and nearby areas. Whether, you're looking for vehicle, contractor, property, or life insurance, we work for you to find the ideal plan.

If you live in or around these areas, be sure to call us or visit us today!