Saint Paul, Minn., Legis. Code ch. 189 § 189.18
Insurance
Operative Text
(a) No license shall be issued or renewed without satisfactory proof of insurance insuring the applicant/Licensed evaluator. (b) The City of St. Paul shall be included as a named insured on the required insurance and any additional cost for including the City of St. Paul shall be at the expense of the applicant/Licensed Evaluator. (c) The applicant's/Licensed Evaluator's insurance shall remain in force continuously thereafter and no license shall be deemed to be in effect during any period of time when such insurance and proof thereof are not also in effect. (d) Each applicant/Licensed Evaluator shall have an individually named insurance policy. (e) The insurance policy shall provide coverage of not less than the minimum limits currently required by the City Risk Manager, against any and all liability imposed by law resulting from the performance of the duties as a Licensed Evaluator.
Saint Paul Legislative Code ch. 189 § 189.18 establishes insurance requirements for Licensed Evaluators operating under the city's licensing framework. Any license issued or renewed under this chapter requires continuous, individually named insurance coverage that meets minimum limits set by the City Risk Manager, with the City of St. Paul named as an additional insured at the applicant's expense. A license is considered inactive during any period when qualifying insurance and proof of that insurance are not in effect.
Plain English — not legal advice.
Under Saint Paul Legislative Code ch. 189 § 189.18, property owners or managers who employ or act as Licensed Evaluators must maintain an individually named insurance policy that continuously meets the City Risk Manager's minimum coverage limits. The City of St. Paul must be listed as a named insured on that policy, and any added premium cost for that designation falls on the license holder. Operators generally keep documentation of active coverage readily available, since a lapse in insurance renders the license inactive regardless of its formal issuance date.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Saint Paul Legislative Code ch. 189 § 189.18 requires that Licensed Evaluators carry valid, continuously active insurance as a condition of holding a license, which provides a layer of accountability for those performing evaluations affecting rental housing. If a tenant has reason to believe an evaluator was operating without the required insurance coverage, that concern can generally be raised with the relevant city licensing authority or a tenant-rights organization familiar with Saint Paul's licensing framework. Tenants may also note that a lapse in required insurance under § 189.18 means the evaluator's license is not considered in effect during that period, which could be relevant information when reviewing the validity of an evaluation.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated November 13, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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