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How much is paper contractors insurance? Minnesota contractors insurance companies define general contractors as paper contractors and working contractors in most cases. They are responsible for coordinating the job. Minnesota paper contractors generally sub out 100% of the physical work. Working contractors are also involved in the physical labor, they might do 50% or the work and sub-contract the rest out . Rates are calculated using gross sales, owner and employee payroll, materials and sub-contracted labor costs. There are a number of additions or endorsements that can be added to the Minnesota paper contractors insurance / general liability insurance policy, the most popular is an additional insured. General liability insurance protects your contracting or developing business from lawsuits and other liabilities, accidents and mishaps. Paper contractors insurance provides bodily injury and property damage coverage often served with a $1,000 or $2,500 property damage deductible. Common liability limits purchased are $1,000,000/$2,000,000. Let us shop multiple MN paper contractors insurance carriers to find you the best quote for the coverage you need. We will make it easy, try us now.