Commercial Property Insurance for residential remodeling contractors
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.
What it covers
- Office, shop, and storage yard structures
- Business personal property and office equipment
- Material inventory, cabinetry, and fixtures in storage
- Shop equipment and sample displays
- Business interruption following a covered property loss
- Material inventory at replacement cost
Who it's for
- Remodeling contractors with owned or leased offices or shop space
- Operations that stage significant materials, cabinetry, or fixtures between projects
- Contractors with display rooms or sample inventory at their location
- Remodelers who want property and tools coverage under one coordinated program
Why CCA
- Material and fixture inventory scheduled at replacement cost
- Shop equipment and display items included in the schedule
- Business interruption coverage for operational continuity after a loss
Common questions about commercial property insurance
Yes — materials, cabinetry, and fixtures stored at your listed location are covered under commercial property if scheduled correctly. We include material inventory so a fire or theft at your shop doesn't leave you with uninsured stock.
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.