Remodeling Contractor Insurance
Insurance for remodeling contractors juggling multiple trades inside a client's home.
What this coverage is intended to address
- ✓Third-party bodily injury that may arise across the range of work involved in a remodel
- ✓Damage to a homeowner's existing structure, finishes, or belongings during the course of the project
- ✓Tools, materials, and equipment scheduled on the policy while in transit, stored, or on the jobsite
- ✓Completed-operations allegations brought after a renovation has been finished and turned over
Coverage products commonly considered
Most remodeling contractor operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- During a kitchen remodel, a water line is alleged to have been nicked, leading to a flooding claim from the homeowner — the policy is intended to respond in the event of a covered claim.
- Months after a bathroom renovation, the owner alleges moisture damage tied to the work. Completed-operations coverage is generally intended to respond to allegations of this nature, subject to policy terms.
Frequently asked questions
Does remodeling insurance handle work spanning several trades?
A general liability policy is typically intended to address third-party injury and property damage across the work you perform, though some specialized trades may need disclosure or separate coverage. Confirm scope with a licensed agent.
What if I use subcontractors on a remodel?
Subcontractor exposure depends on the policy form; some extend automatically while others require subs to carry their own coverage and name you as additional insured. Review the form before binding.
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