Home Improvement Contractor Insurance

Customized Coverage for Your Home Improvement Business

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Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Home improvement Contractor Insurance That’s Made Just For You

Whether you specialize in bathroom renovations or basement remodeling, your home improvement business is growing fast - and you need insurance that can keep up!

At Simply Business, our home improvement business insurance is customized based on your specific risks and needs. We take the time to understand your business, so you’ll get the policy that offers full protection.

What Insurance Do Home Improvement Contractors Need?

You’re spending a lot of time in clients’ homes (after all, it’s in your job title!). That means you could be exposed to a lot of risks, like property damage, employee injuries, and accidents. Let Simply Business build a home improvement contractor insurance policy that’s personalized just for you.

Need more detail? Read our FAQs:

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Professional Liability Insurance For Home Improvement Contractors

Professional liability insurance - also commonly referred to as errors & omissions insurance - is a type of policy that protects you in case a customer accuses you of a mistake resulting from your services. If that happens, your professional liability insurance policy may cover the cost of your legal fees, as well as any claims you might need to pay out to a customer.

Professional liability insurance usually covers:

  • Negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance doesn’t include:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • And more

General Liability Insurance for Home Improvement Contractors

General liability insurance - also known as commercial general liability (CGL) or general liability - is an essential policy that covers your home improvement contractor business in case of claims of third-party damages and accidents. For example, if you end up accidentally causing water damage in a client’s bathroom, your general liability insurance could cover some or all of the resulting repair bills.

General liability insurance can cover:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Third-party medical expenses
  • And more

General liability insurance usually doesn’t cover:

  • Employee injuries and illnesses
  • Tool theft
  • Professional errors
  • Copyright infringement
  • And more

Learn more about commercial general liability insurance.

Workers Compensation Insurance for Home Improvement Contractors

As soon as you hire your first employee, you may need to get a workers compensation insurance policy. If an employee gets hurt or sick on the job, this coverage can protect your business by paying out some or all of their lost wages, medical bills, and legal costs.

For example, if your employee falls off a faulty ladder and gets injured, your workers comp policy can pay for their bills and lost wages. If that same employee decides to sue you for negligence, your policy may cover resulting costs and legal fees.

Learn more about workers compensation insurance.

How Much Does Home Improvement Contractor Insurance Cost?

Want to figure out how much you’ll pay for your policy? While there’s no one right answer, the final price of your policy is usually determined by:

  • Business size
  • Number of employees
  • Areas you serve
  • Services offered
  • And more

Want to see how much your home improvement contractors insurance will cost? Just click here to answer a couple of questions about your business.

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