Remodeling insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$56.18
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$56.18
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Does a Remodeling Business Need Insurance?
From tearing out old drywall to installing the finishing touches, remodeling and home renovation is hands-on work. Whether you’re a general contractor or a kitchen and bath specialist, small mistakes can turn into expensive problems fast. Remodeler & home improvement contractor insurance can help protect your business, customers, equipment, and team, so that one mishap doesn’t undercut all you’ve built.
What Type of Remodeler & Home Improvement Contractor Business Insurance Do I Need?
General Liability
Foundational insurance coverage for a remodeling business to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Home Remodeling Business Insurance Cover?
Interior remodeling, exterior renovations, basement finishing, and cabinetry installation — home remodeling professionals know that a busy jobsite is full of moving parts. But when you’re juggling power tools on a tight deadline, a small mistake can become a major setback. Our policies help protect your business and crew from these common risks:
While drilling into a wall, your bit slips and punctures a hidden water line, flooding the client’s new hardwood floors. General liability for remodelers could help cover the cost of repair or replacement and protect you from other third-party damage claims.
An employee strains their back while carrying sheets of drywall up the stairs. Workers’ compensation for remodelers can help cover medical bills and provide wage replacement as your crew member recovers.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp insurance, since many health insurance policies won’t cover work-related injuries.
One of your plumbers strains their back while carrying a new water heater down a set of narrow stairs. Workers’ compensation insurance can help to cover the medical bills and provide wage replacement for their work-related injuries as they recover.
Having workers’ comp insurance is often legally required and can protect your business from costly claims, as well as taking care of your crew if they suffer a work-related illness or injury. Even if you operate solo, we recommend workers’ comp, because many health insurance policies won’t cover work-related injuries.
You arrive at the jobsite and realize tools were stolen from your truck overnight. Contractor’s equipment and small tools insurance, also known as inland marine insurance, can help pay to replace or repair your stolen or damaged equipment, whether it’s on the move or at a jobsite.
How Much Does Remodeling Business Insurance Cost?
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Questions About Remodeler & Home Improvement Contractor Insurance
Remodeling insurance is a collection of policies that remodeling business owners typically purchase.
While requirements vary by location, most states and local jurisdictions require insurance to obtain a contractor’s license or permits for remodeling. Beyond legal requirements, many clients and HOAs will not allow you on-site without proof of general liability insurance to protect their property.
Most states require you to carry workers’ compensation insurance if you have employees. We recommend checking with your state and local governments for the specific requirements in your area.
Even if you don’t have employees, many general contractors and commercial clients require solo remodelers to carry their own workers’ comp policy to step onto a jobsite. Additionally, because many personal health insurance policies exclude work-related injuries, a solo policy can help cover your medical bills if you’re injured on the job.
Typically, your general liability policy protects your business, but it may not cover the work of independent subcontractors. We recommend that you require all subcontractors to carry their own insurance and provide you with a Certificate of Insurance (COI) before they start work on your interior remodeling or exterior renovation projects.
COIs for most insurance policies are available as soon as you purchase your policy. Once available, Simply Business provides instant digital certificate of insurance access through your online account any time of day. Many modern insurance platforms now offer similar 24/7 certificate download capabilities, allowing you to respond quickly to client requests.
The cost for your insurance coverage is usually determined by:
- The type of work you do
- Where your business is located
- Your annual revenue
- The types of policies and limits you choose
Other factors can include your claims history and how long you’ve been in business.
If you’re thinking of buying remodeling insurance, we recommend having the following information on hand when using our remodeling insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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