Kitchen, bath, and whole-home remodelers
Remodeling contractor insurance for renovation businesses
Remodelers work inside people’s homes, around their most valuable property, often with multiple subcontractors on the job. Kaufman Insurance Group compares remodeling contractor insurance from multiple companies so you can show proof of coverage and protect your business.
- General liability for work in customers’ homes
- Coverage for tools, trailers, and work trucks
- Help with subcontractor and certificate requirements
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare remodeling contractor insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What remodeling contractor insurance is
Remodeling contractor insurance is a group of business policies for companies that renovate homes and buildings, such as kitchen and bath remodelers, basement finishers, and whole-home renovation contractors. It protects you from claims that your work injured someone or damaged property, and protects the tools and vehicles you depend on.
Remodeling brings specific risks. You may open walls near plumbing and wiring, remove load-bearing structures, or work in an occupied home where the family and pets are nearby. A mistake can mean water damage, fire, or an injury claim, sometimes months after the job is done.
Many remodelers also hire subcontractors. How you manage them matters. Insurance companies often want to see that your subcontractors carry their own insurance, and uninsured subcontractors can affect your price and your coverage.
Work in progress
Claims during the job, such as a visitor tripping over materials or damage to the home while you work.
After the job is done
Claims that come up later, such as a leak from plumbing you moved. This is called completed operations coverage.
Know what you are choosing
Coverages remodeling contractor businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage your work causes, including completed operations, depending on the policy.
Tools and equipment
Helps replace tools and equipment stolen from a job site, truck, or trailer.
Commercial auto
Covers work trucks, vans, and trailers used for your business.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Builders risk
Covers the structure and materials during a renovation when your contract makes you responsible.
Umbrella or excess liability
Adds higher limits above your general liability and auto policies when contracts require them.
Is it right for you
Who we help
We help remodelers from one-person shops to growing renovation companies.
Kitchen and bath remodelers
Cabinets, counters, tile, fixtures, and layout changes.
Basement and attic finishers
Framing, drywall, and finishing projects.
Whole-home renovators
Larger projects that coordinate multiple trades.
Design-build firms
Companies that design and build projects for their clients.
Using subcontractors on your remodeling jobs? An agent can explain how they affect your coverage.
How Kaufman helps
How we help remodeling contractor businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the types of remodeling you do, your revenue or payroll, how you use subcontractors, and your vehicles.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Remodeling Contractor Insurance questions
What insurance does a remodeling contractor need?
Most remodelers need general liability, and many also need tools coverage, commercial auto, and workers compensation if they have employees. Some contracts require builders risk or an umbrella policy.
What is completed operations coverage?
Completed operations coverage is part of many general liability policies. It helps with claims for injury or damage that happen after your work is finished, such as a leak from plumbing you installed.
Do my subcontractors need their own insurance?
Usually, yes. Most insurance companies expect subcontractors to carry their own coverage and will ask for their certificates. Uninsured subcontractors can affect your policy and price.
Does general liability cover my tools?
No. General liability covers injuries and damage to other people and their property. Your own tools and equipment need separate coverage, often called inland marine or tools and equipment coverage.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
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Explore contractor insuranceReady to protect your business?
Start a remodeling contractor insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.