Coverage lines

Insurance built line-by-line for residential remodelers.

Each policy below addresses a specific exposure in residential remodeling — from the completed-operations tail a standard GL misses to CPL for the lead and asbestos your crews encounter in older homes.

Essential coverage

General Liability Insurance

The foundation of every remodeling contractor's program. Covers third-party bodily injury and property damage during remodeling operations — and the completed-operations tail covering latent defect and water-intrusion claims that arise after kitchens, bathrooms, and additions are completed.

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Workers' Compensation

Residential remodeling involves real injury risk — falls from heights during addition framing, tool injuries, and lifting exposures. We place workers' comp with carriers that understand remodeling operations and assign correct class codes for remodeling labor.

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Commercial Auto Insurance

Coverage for the trucks, vans, and trailers your remodeling crews drive to every job — including hired and non-owned auto when employees use personal vehicles for remodeling business.

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Tools & Equipment Coverage

Inland marine coverage for power tools, table saws, tile saws, nail guns, compressors, and remodeling equipment your crews carry to every job. Covers theft, accidental damage, and mysterious disappearance at job sites, in transit, and in storage.

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Completed-Operations Coverage

Completed-operations coverage extends your GL protection to cover claims arising after a remodeling project is done — water intrusion from improperly installed showers, structural defects in additions, and other latent defects that surface months or years after project completion.

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Commercial Umbrella Insurance

An umbrella extends your GL and auto limits for remodeling contractors who work on high-value homes, engage with general contractors who require higher combined limits, or face significant completed-operations accumulation across many projects.

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Commercial Property Insurance

Covers your office, shop, and storage yard — including inventory of materials, cabinetry, fixtures, and equipment. Important for remodelers who stage significant materials at their location between projects.

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Contractors Pollution Liability

Residential remodeling in older homes creates real pollution exposure — lead paint disturbance, asbestos in drywall or floor tiles, and mold remediation. CPL covers third-party bodily injury and property damage from these pollutant releases during remodeling work.

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Not sure which lines you need?

Most residential remodelers bundle GL + workers' comp + commercial auto + tools into one coordinated program. We'll build the right mix in one call.

Get a free quote844-967-5247