Insurance Built for Residential Remodelers
Kitchens, baths, basements, additions — you work inside people's homes, and one mishap can cost you a client and a claim. We shop 30+ carriers to find General Liability, Workers Comp, and tool coverage that fits remodeling work, at a price that fits your budget.
The Risks Remodelers Face Every Day
Water Damage Claims
Kitchen and bath remodels mean plumbing tie-ins — and water damage is the single biggest claim driver in remodeling. One bad supply-line connection can flood a finished basement.
Working in Occupied Homes
Your clients live in the jobsite. Damaged flooring, dust in the HVAC, a homeowner tripping over materials — everyday remodel work carries liability most trades never touch.
Subcontractor Gaps
Plumbers, electricians, tile setters — if a sub isn't properly insured, their mistake can land on your policy. We help you structure coverage so subs don't become your problem.
Jobsite Injuries
Demo work, ladders, saws, and tight interior spaces make remodeling injury-prone. Workers Comp protects your crew — and protects you from the medical bills and lost-wage claims.
Tool & Equipment Theft
Tools left in vans and on active jobsites are prime targets. Inland marine coverage replaces stolen or damaged equipment so a break-in doesn't stall your schedule.
Certificate Demands
GCs, property managers, and lenders want a COI before you set foot on the job. We turn certificates around fast so paperwork never costs you a project.
Coverage Built Around Remodeling Work
General Liability
The foundation of every remodeler's protection. Covers third-party injuries and property damage — the client who trips over your saw, the hardwood floor your ladder gouges.
Workers Compensation
Covers medical bills and lost wages when a crew member gets hurt on the job. Required by law in Illinois and Wisconsin once you have employees — and smart even when you don't.
Commercial Auto
Personal auto policies routinely deny claims for business use. Commercial auto covers your trucks, vans, and trailers hauling crews and materials between jobs.
Business Owners Policy
Bundles General Liability with property coverage at a discount — often the most cost-effective way for a remodeling business to get broad protection in one policy.
Tools & Equipment
Inland marine coverage for the saws, nail guns, and equipment that travel with you — plus installation floaters that protect cabinets and materials before they're installed.
Commercial Umbrella
An extra layer of liability above your GL and auto limits. When a serious claim exceeds your base policy, the umbrella kicks in — often required for larger contracts.
We Shop 30+ Carriers So You Don't Have To
Remodeling Insurance Costs in the Midwest
Solo Remodeler
Owner-operator, no employees
✓ Fast COIs for any job
✓ Tools coverage available
Small Crew
2–5 employees, occasional subs
✓ Workers Compensation
✓ Tools & Equipment
✓ Sub / COI guidance
Established Company
6+ employees, multiple vehicles
✓ Commercial Auto fleet
✓ Umbrella available
✓ Dedicated account service
Actual premiums vary by payroll, revenue, project types, and claims history. Call (815) 691-1111 for an exact quote.
Remodeling Insurance FAQs
How much does remodeling contractor insurance cost?
A solo remodeler can often get General Liability starting around $85/month. A small crew with Workers Comp and tools coverage typically runs $250–$400/month. Your exact rate depends on payroll, revenue, the types of projects you take, and claims history — that's why we shop 30+ carriers to find your best fit.
I'm a one-man remodeling operation. Do I really need insurance?
Yes — arguably more than anyone. Without a company behind you, one property damage claim comes straight out of your pocket. Most GCs, property managers, and even many homeowners won't hire an uninsured remodeler, so a GL policy pays for itself in jobs you can actually win.
Does my General Liability cover my subcontractors?
Generally no — subs need their own coverage. Best practice is to collect a certificate of insurance from every sub and have them name you as additional insured before they touch the job. We'll help you set up that process so a sub's mistake never becomes your claim.
What happens if I damage a client's home during a remodel?
That's exactly what General Liability is for — a cracked countertop, a plumbing tie-in that leaks into the ceiling below, a scratched hardwood floor. Your policy covers the repair costs and legal defense if it turns into a lawsuit, so an accident doesn't end your business.
I use my personal pickup for work. Isn't my personal auto policy enough?
Usually not. Personal auto policies routinely exclude business use — hauling materials, towing a trailer, driving between jobsites. If you're in an accident on the clock, a personal carrier can deny the claim. A commercial auto policy closes that gap.
How fast can I get a certificate of insurance?
Fast. Once you're covered, COIs typically go out same day — often within the hour. If a GC or property manager is holding up your start date over paperwork, call us at (815) 691-1111 and we'll get it handled.
Ready to Protect Your Remodeling Business?
Tell us about your business once — we'll shop 30+ carriers and come back with the coverage that fits. Most quotes are ready the same day.