Workers' Compensation for residential remodeling contractors

This is common in remodeling. When workers perform multiple trade types, the payroll is allocated to each code based on actual task time. We help you structure this correctly so you're not overpaying by having all payroll in the highest-rate code.

If subcontractors don't have their own workers' comp, your carrier may treat their payroll as yours at audit. Require certificates from all subs and keep them on file — it prevents unexpected audit additions.

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.