National reach. All 50 states, every remodeling market.

Yes. We structure programs so your GL, workers' comp, and commercial auto coverage coordinate across state lines without gaps — including remodelers who work in multiple states.

Yes. We work with specialty contractor markets that understand the lead paint and asbestos exposure in pre-1980 homes, the completed-ops tail for renovation work, and the high-value project exposure of premium residential remodeling.

Yes. Whether you specialize in kitchens, do full gut renovations, or handle everything from small repairs to major additions, we build programs that cover your full scope of work.

Cost is driven by crew size, payroll, revenue, project types, states worked, and loss history. We quote your actual operation in about 15 minutes.

Yes. Contractors Choice Agency is licensed in all 50 states and writes residential remodeling programs nationwide.

Typically 15 minutes on a call. Larger or multi-state programs may take a day or two, but we move fast.

Often yes. We have admitted and E&S markets for contractors with prior completed-ops claims, high-value project exposure, or other issues.

Usually yes. A coordinated program closes gaps and is typically cheaper and cleaner than separate policies — especially at claim time.

A.M. Best ratings reflect a carrier's financial strength. We place coverage with A-rated carriers so the money is there when a completed-ops claim, injury, or CPL claim hits.

Yes — if structured correctly. Completed-ops GL covers claims arising after renovation is done, like water intrusion from a shower installation or a waterproofing failure.

Remodeling involves multiple trade codes — carpentry, drywall, tile, and others. Correct classification for your actual crew mix is critical for accurate workers' comp rating and avoiding audit surprises.

Yes. CPL (contractors pollution liability) covers bodily injury and property damage from lead paint and asbestos disturbed during renovation work — exposures that standard GL excludes.

Yes — inland marine follows your crew to job sites, in transit, and in storage. Standard commercial property doesn't cover tools off-premises.

You should require subs to carry their own GL and workers' comp and provide certificates. Your GL covers your operations — sub exposures need to be addressed in the policy structure.

Yes — especially on high-value projects or when GCs require higher combined limits on certificates. An umbrella provides those limits cost-effectively.

Yes. We coordinate GL and CPL so there's no gap between operations coverage and pollution coverage — critical for remodelers working in homes built before 1980.

Yes. We write programs for new remodeling businesses — helping you get the GL and workers' comp needed for licensing and certificate compliance from day one.