Insurance for Home Remodelers

Home Remodeler Insurance keeps clients safe from the unique risks they face in redesigning a structure.

The proverb says a man's home is his castle, which unfortunately means the remodeler takes the blame if something goes wrong. Any number of unforeseen events can cause a homeowner to file a claim or suit against the remodeler including damage to property, personal injury, or delay in project timeline. Give these clients peace of mind to continue their line of work without loss of income with proper coverage. 

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What types of coverage do home remodelers need?

To ensure a smooth project from start to finish for home remodeling clients, discuss with them the following specialty policies:

  • Business Owners Policy (BOP): Covers general liability, including claims of bodily injury from accidents filed by a third party (property owners), and covers property such as tools and equipment used on the job.
  • Builder's Risk - Covers against physical damage to the remodel from fire, hail, wind, etc., as well as theft or vandalism.
  • Errors & Omissions (E&O): Covers against claims from homeowner of negligence, poor performance, errors in judgment and omissions. 
  • Commercial Auto: Covers damage and liability on work related vehicles.