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Essential coverages for residential remodelers
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
Every business needs the typical insurance coverage like general liability and commercial property. As a home improvement contractor, you need more insurance protection. Your customer’s home insurance coverage won’t pay for the mistakes you make or damage your services cause.
Pays costs that arise from a third-party injury, property damage or personal injury when working on-site. It also includes defense expenses.
Pollution Liability, Environmental Impairment, is a remodeling insurance that you don't want to overlook. It provides the insurer coverage for bodily injury, property damage, legal fees, clean-up costs resulting from pollution that arises on behalf of your contracting operations. The policy also offers protection from contractors against pollution caused by their work.
In most states, residential remodelers are required to carry Workers' Compensation. This state-mandated remodeling insurance will pay for the medical and rehabilitation fees when the employee is sick or injured on the job. It also pays a portion of lost wages from the time the employee is injured until they are able to work again.
Protects your finances after business property is stolen or destroyed in a covered event. This includes commercial property, business property at the location, and Business Interruption insurance.
Pays to repair your business vehicle or a third party’s damaged property when you are held liable for an auto accident.
Customers hire remodeling contractors to complete various home improvement projects including renovations, additions, and other handyman projects. They trust you to treat their home repair project with integrity and create a result they are proud to show their family and friends. As a home improvement contractor, you need remodeling insurance to protect from lawsuits that can cause financial hardship.
Businesses that fall under this industry include remodeling construction, for-sale remodelers, remodeling design-build, and remodeling project management firms. Their services include additions, alterations, reconstruction, maintenance, and repair of residential buildings.
Going into customer homes increases the number and severity of the risks you face daily. A few of these risks include:
Insurance companies look at home improvement contractors differently. The majority will want to know your history in the field, previous claims history, safety precautions, and hiring procedures before quoting your remodeling contractor insurance. You can receive a quote online by completing the insurance quote form below. The following numbers give you a first average:
Communicate with your client as often as possible. Without proper communication, you'll face being sued for not doing the job as requested. Make sure that your employees have adequate protection as one accident could result in thousands of dollars in medical fees. Also, make sure to have an insurance that covers all the liability risks that your remodeling project could encounter.
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