Renovation and Remodeling Contractor Insurance

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Why do renovation and remodeling contractors need insurance?

Renovation and remodeling projects involve physical labor and a high level of risk. A homeowner could sue over an accident, or an employee could suffer a lifting injury. Home renovation insurance covers unexpected costs so you can continue to beautify interior spaces.

Contractor installing a new wall for a home renovation.
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One application, multiple quotes

Insureon helps renovation and remodeling contractors compare small business insurance quotes from top U.S. carriers.

Get several quotes online with one easy application.

What types of insurance do renovation and remodeling contractors need?

These insurance policies cover the most common risks of renovation.

General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as a customer tripping over home improvement materials. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).

  • Customer bodily injuries
  • Advertising injuries and personal injuries
  • Products-completed operations coverage
Business owner’s policy icon

Business owner's policy

A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for renovation professionals.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for renovation and home remodeling businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical payments
  • Partial lost wages
  • Employer's liability coverage
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Commercial auto insurance

This insurance coverage helps pay for accidents involving a contracting business's vehicle. Each state has its own auto insurance requirements.

  • Property damage caused by a renovation vehicle
  • Injuries caused to another person
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a remodeler’s saws, drills, hammers, shop vacuums, and other tools and equipment. It's a type of inland marine insurance.

  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools used for a renovation project
Professional liability insurance icon

Professional liability insurance

Professional liability insurance helps cover legal costs related to a renovation business's work performance, such as failure to meet a deadline. It's also called errors and omissions insurance (E&O).

  • Failure to provide contracted services
  • Remodeling errors or oversights
  • Professional negligence
Looking for different coverage? See more policies.

How much does business insurance cost for home renovators?

Construction contractor calculating insurance costs.

A home renovation business with only a few workers will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Remodeling and renovation services offered
  • Business property and equipment
  • Business income
  • Types of coverage purchased
  • Policy limits and deductibles
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How do I get renovation and remodeling business insurance?

It's easy to get renovation business insurance coverage if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Our licensed insurance agents work with top-rated U.S. providers to find the most affordable coverage that fits commercial and residential remodelers, whether you're a contractor, subcontractor, or employer.

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