Renovation and Remodeling Contractor Insurance

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Compare insurance quotes for renovation and remodeling contractors

Interior construction involves physical labor and a high level of risk. Remodelers’ insurance can cover employee injuries, stolen tools, property damage lawsuits, and other unanticipated costs.

Two construction professionals working on home interior.
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Choose the best rate and coverage

Renovation and remodeling contractors can compare insurance quotes from top U.S. carriers online with Insureon. Get several quotes with one application.

What types of insurance do renovation and remodeling contractors need?

These policies cover the most common risks of renovation and remodeling.

General liability insurance icon

General liability insurance

This policy covers basic renovation risks, such as a client tripping on unfinished flooring. Bundle with commercial property insurance for savings in a business owner's policy (BOP).

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers accidents involving a renovation company’s vehicle, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • 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 if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do renovation and remodeling contractors need insurance?

From commercial renovation to residential remodeling, interior construction comes with numerous risks. A homeowner could sue for property damage, or an employee could suffer a back injury. Home renovation insurance can cover your expenses so you can continue to beautify interior spaces.

How much does insurance cost for construction businesses?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Interior construction services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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