Home remodeling insurance that covers the project, the crew, and the claim.

Cost depends on crew size, payroll, revenue, project types, states worked, and loss history. Solo operators doing small projects may pay a few thousand annually; larger multi-crew operations doing high-value renovations run more. We quote your actual operation in about 15 minutes.

Yes — if structured correctly. Completed-operations GL covers claims arising after a renovation is done, like water intrusion from an improperly installed shower pan or a waterproofing failure. Many cheap policies have inadequate completed-ops tails — we structure it properly.

A completed-ops claim arises after the project is done — the most common example for remodelers is a homeowner claiming water damage from a shower, wet bar, or bathroom tile installation done months ago. GL with proper completed-ops coverage defends and pays these claims.

If you work on homes built before 1980, very likely yes. Pre-1980 homes commonly contain lead paint, asbestos in floor tiles, drywall compound, and insulation. Disturbing these materials creates a pollution exposure — bodily injury and property damage claims — that standard GL excludes. CPL covers it.

CPL covers third-party bodily injury and property damage from pollutants released during remodeling work — lead paint disturbance, asbestos in old flooring or ceiling tiles, mold encountered during demolition, and volatile organic compounds from adhesives and coatings. Standard GL excludes all of these.

Remodeling work involves multiple trades — carpentry, plumbing, electrical, tile, drywall. Each has its own workers' comp class code. Correct classification for your actual crew mix is critical for accurate pricing and avoiding audit surprises.

Often yes — especially on high-value projects or when working for GCs who require higher combined limits on certificates. An umbrella above your GL and auto provides those limits cost-effectively.

Yes — inland marine (tools and equipment coverage) follows your crew to job sites, in transit, and in storage. Standard commercial property doesn't cover tools off-premises. Power tools stolen from a job site or truck are one of the most common claims for remodelers.

Only if your policy reflects your actual scope of work. Remodeling contractors often perform multiple trade categories — carpentry, tile, drywall, light electrical. Each has its own classification. We assign codes to your actual workflow so you're covered — and not over- or under-rated.

Your GL covers your own operations. If you use subcontractors, your GL should include appropriate subcontractor language, and you should require subs to provide certificates of insurance showing their own GL and workers' comp.

Often yes. We have admitted and E&S markets for remodelers declined over loss history, high-value project exposure, or previous completed-ops claims. Bring us your situation and we'll find a path.

Property damage to the homeowner's premises during your work is covered under GL (with any applicable deductible). Damage to your own work — a mistake that requires you to redo what you did — is not covered by GL and is a business risk.

No. Your GL, workers' comp, and auto provide ongoing coverage for all your projects. You may need to provide certificates to homeowners or GCs, and some projects may require additional-insured endorsements — but you don't need separate policies per project.

Yes — GL covers third-party bodily injury including homeowner injuries that occur because of your work or negligence on the job site. This is one of the core exposures your GL is designed to protect against.

At a minimum, through the statute of limitations for property damage claims in the states you work in — typically 2–6 years after project completion. Occurrence-based GL keeps prior-year work covered as long as you maintain the policy without lapses.

Yes. Contractors Choice Agency is licensed in all 50 states and has markets for residential remodeling contractors whether you're in Texas, California, the Northeast, or anywhere in between.

Typically 15 minutes on a call. Programs with multi-state operations or high-value project exposure may take a day or two with certain markets, but we move fast.

Usually yes. Bundling GL, workers' comp, commercial auto, and tools into one coordinated program closes gaps between policies and is typically cheaper than separate policies from separate carriers.

Minimum GL limits of $1M per occurrence / $2M aggregate are standard for most state licenses. High-value renovation projects and GC certificate requirements may push you to $2M per occurrence. Umbrella of $1M–$5M above that for high-value residential work. We size limits to your actual project exposure.