General Liability Insurance for residential remodeling contractors

It's a claim that arises after the project is done. The most common examples: a shower tile installation that leaks into the subfloor, a wet bar plumbing connection that fails and damages cabinets, or an addition's roof flashing that allows water intrusion.

Yes — third-party bodily injury, including injuries to homeowners or their guests caused by your work or negligence on the job site, is covered under GL. This is one of the core exposures your GL is designed to address.

Property damage to the homeowner's premises during your work is covered under GL. Damage to your own work — a mistake that requires you to redo what you did — is not covered by GL. That's a business risk, not an insurable event.

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.