Remodeling insurance
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.
Written by
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.
Below are some of the most common types of insurance policies that remodelers buy.
What Type of Remodeler & Home Improvement Contractor Business Insurance Do I Need?
General Liability Insurance
From
$20.75
/month*
Foundational insurance coverage for a remodeling business to help handle costs from third-party accidents, property damage, and bodily injury.
Business Owner’s Policy (BOP)
From
$33.75
/month*
General liability, property insurance, and more all in one convenient package.
Workers’ Comp Insurance
From
$38.91
/month*
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Contractor’s Equipment and Small Tools Insurance
From
$20.83
/month‡
Also known as inland marine insurance, this coverage can financially help protect tools and equipment, and depending on the policy, even if it’s in transport or stored offsite.
Business insurance —
a one-minute explanation
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.
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:
Damage to someone else’s property
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.
Damaged or stolen equipment
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.
Protection for your business property
After a small fire at your office, you’re forced to pause projects while you replace essential equipment. A Business Owner’s Policy (BOP) bundles general liability, commercial property protection, and business interruption coverage to help pay for damages, repairs, and lost income so you can get back to work quickly.
Many remodeling businesses choose a BOP because it offers more protection than a stand-alone general liability policy without costing much more — a great option if you’re established or planning to grow.
Care for sick or injured employees
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.
How Much Does Remodeling Business Insurance Cost?
Try Our Remodeling Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Questions About Remodeler & Home Improvement Contractor Insurance
What is home remodeling business insurance?
Remodeling insurance is a collection of policies that remodeling business owners typically purchase.
Do I need insurance to remodel houses?
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.
Do I need workers’ compensation as a remodeling business owner?
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.
Is workers’ comp required for solo remodelers?
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.
Does my remodeler &home improvement contractor insurance cover subcontractors?
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.
Can I get a Certificate of Insurance (COI) immediately?
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.
What determines the cost of remodeling insurance?
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.
What should I consider before buying remodeling insurance?
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.
Written by
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.
400+
business types covered
4.6/5
customer rating on Trustpilot
1M+
customers worldwide
18
top-rated small business
insurance providers
More Helpful Information for a Remodeling Business Owner
*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 January–June 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.