Fast, affordable
remodeling insurance.
+ 100 MORE
How Casey works.
01
Tell us what you do
One conversation, in plain English. A specialist takes time to learn about your business, tell you what coverage you need, and build the application for you.
02
We shop the market
We compare more than 100 insurance companies and get quotes from the ones that fit your business best. No gaps, nothing you don't need.
03
Matched at the best rate
Compare real quotes side by side and bind the one you want. From then on we handle certificates, claims, and every renewal.
How much does remodeling insurance cost?
Market benchmarks, not quotes or guaranteed prices. Your premium depends on carrier underwriting.
General Liability
$125–$330/mo
Workers' Comp
$200–$700/mo
Commercial Auto
$140–$320/mo
Tools & Equipment
$20–$60/mo
What remodeling insurance covers.
Remodeling insurance is a combination of policies. Which ones you need depends on your work mix, your crew, and what your contracts require.
Tell us about your work and we'll put together the right ones.
01
General Liability
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.
When it matters: the supply line you sweated lets go a month after you left.
02
Workers' Comp
Required 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.
When it matters: a carpenter puts a nail through his hand on day two of a gut.
03
Commercial Auto
Trucks 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.
When it matters: your lead rear-ends someone on a lumber run.
04
Tools & Equipment
Inland 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.
When it matters: the van gets broken into the night before install day.
05
Umbrella & Excess
The 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.
When it matters: a GC subcontract requires $2M in coverage you don't carry.
Why remodelers stay with Casey.
Casey is an independent insurance agency, which means we work for you, not an insurance company. We compare coverage and rates from more than 100 carriers to find the right fit for your business. Our technology takes care of the busywork, so quotes, certificates, and policy changes happen faster and your dedicated agent has more time to focus on you.
Claims advocacy
When something goes wrong, your broker works the claim on your side — not the carrier's.
Re-shopped every renewal
Most renewals are defensive. Ours aren't — we work the market ahead of time so the best terms find you every year, automatically.
Certificates, instantly
Self-serve COIs the moment a job site or landlord asks. No calling, no waiting, no office hours.
Remodeling insurance, answered.
What happens after I submit?+−
A licensed specialist will get in touch within a few minutes, take the time to learn about your business, and advise you on what coverage you need. From there, we shop the market to find the insurance company with the best value for you.
How much does remodeling insurance cost?+−
Payroll, subs, and work mix set the number. General Liability for a solo remodeler often runs $1,500–$4,000 a year; crews, structural work, and sub exposure move it up. We shop 100+ carriers so you see the real number for your business.
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 — 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 — where most remodel claims live, like the shower pan that fails months after the punch list. Our forms carry it, and we make sure the limits survive your contract reviews.
Let's get started.
Send in your details and a licensed professional will be in touch shortly. Prefer to talk now?
In a hurry? Call (513) 866-3655