Maple Grove, MN Short-Term Rentals: Insurance Requirements (2026)

Maple Grove's short-term rental program does not impose a stand-alone homeowner or commercial liability insurance minimum in its published ordinance materials. We did not find a code section setting a required liability coverage amount for short-term rentals. The insurance-related requirement that does appear in the application packet is a Minnesota Workers' Compensation Law Certificate of Compliance. Under Minnesota Statutes 176.182, every state and local licensing agency must withhold issuance or renewal of a business license until the applicant presents acceptable evidence of compliance with the workers' compensation insurance coverage requirement; providing false information can result in a $2,000 penalty assessed by the Department of Labor and Industry. On that certificate, the applicant either documents a workers' compensation policy (insurer, policy number, effective and expiration dates) or certifies an exemption, for example by attesting they use only independent contractors or have no employees required to be covered. The short-term rental application lists the MN Workers' Compensation Law certificate, along with the Minnesota Department of Revenue Certificate of Compliance, among the items received before a license is processed. While the city does not mandate guest-liability insurance, operators are strongly encouraged to carry appropriate property and liability coverage, since standard homeowner policies often exclude commercial short-term rental activity. Confirm any additional coverage expectations with the city's rental housing staff and your insurer.