Insurance for Home Remodelers
Coverage that builds with your business.
Get comprehensive remodeling insurance that covers renovation projects, protects your crew, and meets homeowner and lender requirements.
Licensed agents who understand home remodeling deliver fast quotes, instant COIs, and expert support for renovation contractors nationwide.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Remodeling Insurance Matters
Protect your business through every phase of renovation
Home remodeling combines the risks of multiple trades—structural work, electrical, plumbing, flooring, and finish carpentry all under one project. Each phase carries liability exposure, and you're responsible for coordinating subcontractors whose work can also affect your coverage. A kitchen remodel gone wrong can cost tens of thousands in claims.
Remodelers need comprehensive General Liability covering all phases of work, Workers' Compensation for employees and often for yourself, and Commercial Auto for trucks carrying materials. Builders Risk coverage protects renovation projects during construction, and you'll need Completed Operations coverage for claims arising after project completion.
Many homeowners and all lenders require proof of insurance before remodeling work begins. Higher-end projects may require $2M or more in coverage. Working with agents who understand renovation contractor insurance helps ensure you have proper coverage for the full scope of your projects.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers property damage, structural issues, and injuries across all remodeling activities.
Workers' Compensation
RequiredRequired for employees working across multiple trade activities with varying risks.
Commercial Auto
Protects trucks carrying materials, tools, and equipment to job sites.
Business Owners Policy
Bundled coverage that works well for smaller remodeling operations.
Industry Risks
Common risks you need to protect against
Real risks remodelers face
See how the right insurance protects you when things go wrong
Risk
During a kitchen remodel, a subcontractor's plumbing work causes a leak that damages the homeowner's hardwood floors in the adjacent room.
General Liability
Pays for floor repair, water damage remediation, and any personal property damage—potentially $15,000-$40,000.
Risk
During a kitchen remodel, a subcontractor's plumbing work causes a leak that damages the homeowner's hardwood floors in the adjacent room.
General Liability
Pays for floor repair, water damage remediation, and any personal property damage—potentially $15,000-$40,000.
Risk
A carpenter working on a bathroom remodel falls through a weakened floor joist and suffers a back injury.
Workers' Compensation
Covers all medical treatment, rehabilitation, and lost wages during recovery.
Risk
A carpenter working on a bathroom remodel falls through a weakened floor joist and suffers a back injury.
Workers' Compensation
Covers all medical treatment, rehabilitation, and lost wages during recovery.
Risk
Six months after completing a bathroom addition, water leaks develop behind the shower, causing mold and wall damage.
General Liability (Completed Operations)
Pays for mold remediation, wall repairs, and shower reconstruction.
Risk
Six months after completing a bathroom addition, water leaks develop behind the shower, causing mold and wall damage.
General Liability (Completed Operations)
Pays for mold remediation, wall repairs, and shower reconstruction.
Why Choose Us
Why remodelers choose 1-800-INSURANCE
- Coverage spanning all phases of renovation projects
- Instant certificates of insurance for homeowners and lenders
- Completed operations protection for post-project claims
- Help coordinating coverage with subcontractor requirements
- Builders Risk options for major renovation projects
- Agents who understand renovation contractor classification
Commercial insurance experts
Essential coverage for remodelers
Compare quotes and get the specific policies your remodeling business needs
General Liability
Comprehensive coverage for property damage and injuries across all renovation activities.
Workers' Compensation
Required coverage for employees working across multiple trade activities.
Commercial Auto
Coverage for trucks carrying materials and equipment to renovation sites.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Home Remodeling Insurance FAQs
What insurance do I need as a home remodeler?
+
Most remodelers need General Liability (with completed operations), Workers' Compensation for employees, and Commercial Auto. Larger projects may need Builders Risk coverage, and high-end work may require higher liability limits.
Am I covered for work done by my subcontractors?
+
Your policy typically covers your liability for the overall project, but subcontractors should carry their own insurance. Always collect certificates of insurance from subs and verify their coverage is active.
Do I need Builders Risk for remodeling projects?
+
For major renovations—especially additions or structural changes—Builders Risk can protect the project during construction. The homeowner's policy may not cover renovation work in progress.
What liability limits do high-end remodeling projects require?
+
Luxury home remodels often require $2M or more in liability coverage. Some homeowners and lenders may require even higher limits. Umbrella coverage can help you reach these requirements cost-effectively.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.