Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 15, 2026.
GENERAL LIABILITY
General Construction - Remodeling - Residential $94/month for general liability
WHY IT MATTERS
Why General Construction - Remodeling - Residential need business insurance
Residential remodeling puts your crew, clients’ property, tools and vehicles in changing work environments. A suitable mix of coverage can address different risks instead of relying on one policy for every type of claim.
SCENARIO 1
A remodel damages the home
A worker punctures a water line while opening a wall, damaging the client’s flooring. General liability insurance may help with covered property damage and related legal defense.
SCENARIO 2
An employee is injured
An employee falls from a ladder while installing cabinets. Workers’ compensation insurance may help with covered medical expenses and lost wages.
SCENARIO 3
A project is damaged before completion
A fire damages materials and completed work at an active renovation site. Builder’s risk insurance may help cover insured project property during construction.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Scope of remodeling work
A wider scope of work can lead to a higher quote because structural changes, additions and full-home renovations create more opportunities for a claim.
Business size
Higher revenue, payroll or subcontractor costs can increase the exposure used to calculate a quote.
Employees and payroll
Adding employees or increasing payroll can raise workers’ compensation costs because more labor is exposed to jobsite injuries.
Subcontractor use
Frequent use of subcontractors can affect a liability quote, especially when documentation of their coverage is incomplete.
Claims history
Recent or repeated claims can lead to a higher quote, while organized claim records help carriers evaluate the business accurately.
Limits and deductibles
Higher limits generally increase the quote, while the selected deductible changes how much the business retains when a covered claim occurs.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national remodeling business, rates and requirements vary by state and by carrier, with each job location adding its own exposure.
State and carrier requirements
Coverage rules, rating methods and available policy terms vary by state and by carrier.
Jobsite exposure
The characteristics of the areas where projects are located can affect property, theft and liability considerations.
Travel territory
A larger service area can increase time on the road and may affect commercial auto exposure for company vehicles.
2,337
Quotes analyzed
51
States represented
7
Coverage lines
BEST RATE
How to get the best rate
Describe every operation accurately
List the remodeling work you perform, including structural work, roofing, additions and any tasks handled by subcontractors.
Organize business records
Gather current revenue, payroll, employee, subcontractor, vehicle and claims information so the quote reflects your actual operations.
Document safety practices
Keep written procedures for ladder use, tool security, jobsite housekeeping, driver screening and incident reporting.
Review contracts and coverage
Check client and subcontractor agreements for required coverage, limits and certificates before selecting policy terms.
FAQ
Common questions
What insurance should a residential remodeling business consider?
Coverage options include general liability insurance, workers’ compensation insurance, commercial auto insurance, builder’s risk insurance, inland marine insurance, surety bonds and a business owners policy. The right mix depends on your employees, vehicles, tools, project responsibilities and contract requirements.
Is general liability insurance enough for a remodeling contractor?
General liability insurance may not address every remodeling risk. Employee injuries, company vehicles, movable tools and active construction projects can require separate coverage lines.
What affects the cost of residential remodeling business insurance?
Your operations, revenue, payroll, employees, subcontractor costs, vehicles, claims history, limits and deductibles can affect the quote. Rates and requirements also vary by state and by carrier.
Do subcontractors need their own insurance?
Your contracts may require subcontractors to carry their own coverage and provide certificates. Review each agreement and keep current documentation before work begins.
What information is needed for a business insurance quote?
Be ready to provide details about your remodeling services, revenue, payroll, employees, subcontractors, vehicles, tools, project types, claims history and requested limits. Complete records help carriers evaluate the business accurately.