You Create and We’ll Protect

This country is built on the backs of Contractors and Midwest Family Mutual has developed tailored programs to protect them from the inherent liabilities stemming from the job. With a per-employee rated non-auditable GL premium, we offer top notch coverage at a simplified premium for which you can more easily budget.



hour claim response


General Liability Audit Free


Excellent rating by AM Best

Our Artisan Contractor Program is offered in all of our 21 states

Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin and Wyoming 

Protecting Customers, Employees, and You

As a Contractor you hold yourself the quality of your work to a high standard. At Midwest Family Mutual we hold ourselves to those same high standards to protect you, your employees and your customers when the need arises. By working with our trusted and local Independent Agents we can build an insurance program customized to your needs.

Have Questions?


PO Box 9425
Minneapolis, MN 55440

Eligible Service Classes

  • Air Conditioning and Heating
  • Appliance Installation and Service
  • Cable TV, Satellite Dish - Installation
  • Cabinet Makers and Installation
  • Carpentry - Interior
  • Cleaning Services
  • Concrete - Flat Work
  • Countertop Installation
  • Door and Window Installation
  • Driveway or Parking Lot Resurfacing
  • Drywall Installation
  • Electricians
  • Excavators
  • Fence Builders
  • Floor Covering Installation
  • Framing Contractors
  • Furniture Builders and Repair
  • Garage Door Installation
  • General Contractors
  • Gutter Installation
  • HVAC Contractors
  • Home Builders
  • Interior Decorators
  • Landscaping
  • Locksmiths
  • Masons
  • Painters - Exterior and Interior
  • Plumbers
  • Remodeling Contractors
  • Septic Services
  • Siding Installation
  • Solar Panel Installation
  • Swimming Pool Service
  • Many more classes available to meet your needs! Contact your local Independent Agent for more solutions.

Coverage Offerings

  • Property: Buildings, Business Personal Property, Equipment Breakdown, Business Income, Extra Expense, Crime, Contractor Tools, Installation Floater, Mobile Equipment.
  • Liability: Cyber Liability, General Liability, Bodily Injury Liability, Property Damage Liability, Premises Liability, Personal Injury Liability, Advertising Liability, Products Liability, Contractual Liability, Completed Operations Liability, Medical payments.
  • Additional Property Coverages: Accounts Receivable, Business Income – Dependent Properties, Electronic Data, Employee Dishonesty, Fine Arts, Fire Department Service Charge, Forgery or Alteration, Increased cost of construction, Inland Marine, Lock Replacement, Money and Securities, Money Orders and Counterfeit Money, Newly Acquired or Constructed Property, Outdoor Property, Outdoor Signs, Ordinance and Law, Personal Effects, Property Off Premises, Reward, Sewer Backup, Spoilage, Tools, Valuable Papers and Records.
  • Additional Liability Coverages: Bail Bonds, Loss of Earnings, Automatic Liability Coverage – Newly Acquired or Constructed Property, Damage to Property – Borrowed Equipment, Blanket Additional Insured – Primary and Non Contributory, Damage to Premises Rented to You, Blanket Waiver of Subrogation, XCU – Explosion, Collapse, Underground Liability.
  • Many more options to customize your insurance product to meet your needs are available! Contact one of our Independent Agents to learn more.

Ready to get started?

Your local Independent Agent is a licensed expert who knows the ins and outs of insurance. Contact one today for your personalized insurance product.

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