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Renovation and Remodeling Contractor Insurance
What kind of work do you do?
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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.
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Insureon helps renovation and remodeling contractors compare small business insurance quotes from top U.S. carriers.
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What types of insurance do renovation and remodeling contractors need?
These insurance policies cover the most common risks of renovation.
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).
BEST FOR
- Customer bodily injuries
- Advertising injuries and personal injuries
- Products-completed operations coverage
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.
BEST FOR
- Accidents that injure clients
- Client property damage
- Damage to your building or its contents
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.
BEST FOR
- Employee medical payments
- Partial lost wages
- Employer's liability coverage
Commercial auto insurance
This insurance coverage helps pay for accidents involving a contracting business's vehicle. Each state has its own auto insurance requirements.
BEST FOR
- Property damage caused by a renovation vehicle
- Injuries caused to another person
- Vehicle vandalism and theft
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.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools used for a renovation project
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).
BEST FOR
- 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?
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
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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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