Insurance for
remodeling contractors

Protect your jobs, your crew, and your tools. Casey covers kitchen and bath remodelers, whole-home renovators, and residential GCs — general liability, workers’ comp, commercial auto, and equipment in one place, with the additional-insured COIs your contracts demand. One conversation in plain English: we compare the whole market and bring back the best value for your risk.

Mostly small repairs and punch lists? See handyman insurance

Two remodelers installing kitchen cabinets, one measuring at a sawhorse work table

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Industry: Remodelingchange

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A licensed broker reviews every request — you’ll hear back within the hour.

What it is

What remodeling contractor insurance covers.

“Contractor insurance” isn’t one policy — it’s a stack of a few, built around how you actually work. Most remodeling operations carry these five lines.

You don’t need to know which ones you need. Tell us about your work and your broker builds the stack.

01General LiabilityThe line every GC, lender, and permit office asks for — third-party injury and property damage, on the job and after you’ve left. Completed operations is where remodel claims actually land: the leak behind the tile shows up a year later. We place forms rated for it.

02Workers’ CompRequired in most states once you hire — and required by most GC contracts even when you’re exempt. Clean class splits between carpentry, demo, and finish work directly lower what you pay.

03Commercial AutoTrucks and vans hauling crews, tools, and material between jobs. Personal auto policies exclude business use — with a job trailer on the hitch, that argument is over before it starts.

04Tools & EquipmentInland Marine coverage for your tools, and for installed materials before they’re attached — on the job, in transit, and overnight in the van, where most theft actually happens.

05Umbrella & ExcessThe extra limits GC subcontracts and municipal work require — often $2M over your GL before you’re on the approved list. Cheaper than most remodelers expect.

Who needs it

Every kind of remodeling operation — priced differently.

Kitchen & bath remodelers

High-finish work in occupied homes — water lines, tile, and cabinetry. The claims are completed-operations claims; we place forms that contemplate them.

Whole-home & additions

Structural work, framing, and roof tie-ins carry heavier exposure and heavier contract requirements. We price the structural share of your work instead of averaging it away.

Residential GCs running subs

Sub agreements, additional-insured wording, and hold-harmless clauses — your COI stack has to match the paper you sign. We read the contract and build it to spec.

Working under a GC

GCs want their wording, their limits, and proof before you’re on site. Same-day COIs with the endorsements their contract names.

New ventures going solo

Leaving a GC to run your own jobs? First-year operations pay more, but several of our markets write them — and your first contract will demand proof before demo day.

Something in between?

Most remodelers are a mix. Describe your actual work split in the form — that’s what your broker prices.

Insurance without the homework.

One conversation

Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.

Pay less for more

Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.

White-glove service

Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.

A broker who picks up

A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.

Common questions

Remodeling insurance, answered.

How much does remodeling contractor insurance cost?

Payroll, subs, and work mix set the number. As a rough anchor, General Liability for a solo remodeler often runs $1,500–$4,000 a year; crews, structural work, and sub exposure move it up. We quote your actual operation rather than a generic contractor rate.

A GC wants a COI with additional-insured wording before I can start.

Standard for sub work. Same day once you’re bound, self-serve after that — we read the subcontract’s insurance exhibit and build the certificate to match it the first time: additional insured, waiver of subrogation, and primary-and-non-contributory wording where the contract names them.

Do I need workers’ comp if I only use subs?

Usually in practice, yes: GCs and permit offices in many states want comp on file regardless, and if a sub’s certificate lapses, their payroll can land on your audit. We set up the policy and track sub certificates so neither surprises you.

Is the work still covered after the job is done?

That’s completed operations — and it’s where most remodel claims live: the shower pan that fails months after the punch list. Our forms carry it, and we make sure the limits survive your contract reviews.

I’m leaving a GC to go out on my own. Can I get covered with no business history?

Yes. First-year operations pay more, but several of our markets write new remodeling ventures — bring your trade history and license and we’ll place it.

Let’s get started.

Send it in and a licensed broker calls you back right away.

Want to speed up your quote?

Call (513) 866-3655