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Remodeling Contractor Liability Insurance

Remodeling contractor general liability insurance addresses the typical issues contractors face. It provides coverage for third-party claims, including property damage and bodily injury, as well as medical expenses. This policy protects your business by covering legal defense costs and any judgments against you, up to the policy’s limit.

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General Liability
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Property Coverage
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Auto Insurance
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Workers Compensation
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Tools Coverage

Is Remodeling Contractor General Liability Insurance Required?

In most states, remodeling contractors are required to have general liability insurance to operate legally. States like California, Florida, and New York require it for licensing or building permits. Check local regulations in your state or city to ensure compliance.

What's Covered Under Remodeling Contractor General Liability Insurance?

Examples of what’s covered include:

  • Accidental property damage to a client's home during renovation.
  • Bodily injury, like a client slipping on the job site.
  • Legal defense costs related to covered claims.

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What's Not Covered?

This policy won’t cover everything. For example:

  • Damages to your own equipment or tools on the job.
  • Employee injuries sustained while working—this requires workers' comp.

Other Insurance

Remodeling contractors typically carry more than just liability insurance.

Common policies include tools coverage, commercial auto insurance for company vehicles, surety bonds, workers' compensation, and excess liability. For specialized advice or coverage, professional liability insurance is also recommended to protect against project errors or negligence claims.

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USA Insurance: Your Partner for Remodeling Contractor Coverage

For nearly 20 years, USA Insurance has been a leader in the commercial insurance industry, providing top-tier coverage to remodeling contractors. Based in Burbank, CA, and licensed in all 50 states, our USA-based agents offer expert advice and customized coverage solutions. Whether you're a small local contractor or part of a larger operation, we know how to protect your business. With 99% customer satisfaction and a wealth of experience, we’re your go-to for tailored contractor insurance.

Remodeling Contractor Insurance Cost

Remodeling Contractor Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

What is remodeling contractors insurance?

Remodeling contractors insurance is a type of insurance that provides coverage for various risks associated with construction and contracting work, such as property damage, personal injury, and liability claims.

What's typically included in remodeling contractors insurance?

Common types of coverage included in contractors insurance policies include general liability, workers' compensation, commercial auto, and excess/umbrella liability.

Do all remodeling contractors need insurance?

Many states have laws requiring contractors to carry certain types of insurance. Even if it's not legally required, it's generally a good idea for contractors to have insurance to protect themselves and their business from financial loss.

How much insurance coverage I need?

The amount of coverage you need will depend on factors such as the type of work you do, the size of your business, and the potential risks associated with your work. It's best to consult with an insurance agent or broker to determine the appropriate amount of coverage for your business.

How to find a good insurance company for remodeling contractors?

We offer specialized business insurance solutions for remodeling contractors at competitive rates. Our policies encompass both residential and commercial contractors, inclusive of plumbers, electricians, and a comprehensive range of artisan professions.

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