Commercial Auto Insurance for residential remodeling contractors
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.
What it covers
- Liability for at-fault accidents in owned remodeling vehicles
- Physical damage to owned trucks, vans, and trailers
- Hired and non-owned auto for employees using personal vehicles
- Tool and material trailer coverage
- Uninsured and underinsured motorist coverage
- Loading and unloading liability for materials and tools
Who it's for
- Remodeling contractors with owned trucks, vans, or trailers
- Operations where employees regularly drive personal vehicles to job sites
- Contractors hauling materials, fixtures, and tools to residential projects
- Operations whose personal auto policies exclude business use
Why CCA
- Business-use vehicles rated for remodeling operations
- Hired and non-owned auto included so employee vehicle use is covered
- Coordinates with tools coverage for material-hauling trailers
Common questions about commercial auto insurance
Yes. Hired and non-owned auto (HNOA) covers liability when employees drive personal vehicles on your business. Without it, an at-fault accident in a personal truck driven to a renovation job creates uninsured exposure for your company.
No — the truck is covered, but materials in transit are an inland marine (tools and equipment) matter. We coordinate both so neither the vehicle nor its cargo has a gap.
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.
Pair it with related coverage
Ready to protect your remodeling business?
Get a 15-minute quote from specialists who understand residential remodeling — completed operations, crew workers' comp, lead and asbestos exposure, and the tools your crews depend on.