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Home Renovation and Remodeling Contractor Insurance — Tailored Protection Across 27 States
Renovation work is unpredictable. One day the project runs smooth. The next, a water line bursts behind a client’s wall and suddenly you’re facing a damage claim that could cost thousands. Home renovation contractor insurance protects your remodeling business from moments like these, so one bad day doesn’t become a bad year.
The Allen Thomas Group has spent over 20 years helping contractors find coverage that actually fits. As a CISR-designated independent insurance agency, we don’t work for one carrier. We shop multiple top-rated insurance companies, compare your options, and find protection at a price that makes sense. Whether you run a two-person crew or manage a growing team taking on home additions across state lines, we build a policy around your risk.
That’s what we mean by smart and easy.
Our Carrier Partners
That allows us to find the best rates for our local contractors and construction companies.
Getting The Right Insurance For Your Home Renovation and Remodeling Contractor Business
We know how frustrating and complex the process of finding the right coverage and getting a COI can be and how it slows down your ability to care for your customers.
Let us help fix it for you in 3 easy steps.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Coverage Types Every Renovation Contractor Should Know
The policy most clients and general contractors want to see first. General liability covers third-party bodily injury and property damage. It also covers legal defense costs and medical payments to third parties. Most states require it for contractor licensing, and you’ll need it for your certificate of insurance. Standard limits start at $1 million per occurrence with a $2 million aggregate.
Pays for medical costs, rehabilitation, and lost wages when an employee is injured on the job. Workers’ Compensation is required by law in most states. Many self-employed contractors carry it too, because personal health insurance often denies claims for injuries that happen during work.
Commercial auto protects your work vehicles between job sites. Personal auto policies almost always exclude business use.
Also called inland marine insurance. Protects your drills, saws, compressors, and generators whether they’re in your truck, at a job site, or in storage.
Business owners’ policy bundles general liability with commercial property coverage into one policy at a lower combined cost.
Need surety bonds or professional liability coverage? We handle those too.
Builders’ risk insurance covers materials, fixtures, and the structure itself during active renovation. A homeowner’s policy typically won’t cover damage during construction. Builders risk fills that gap. One of the most overlooked policies in remodeling — and one of the most important.
Why Contractors Choose The Allen Thomas Group
We’re independent.
We work for you — not for one insurance company. We compare rates and coverage from multiple top-rated carriers and find the option that fits.
We know construction insurance.
Contractor coverage is something we work with every single day. We understand the risks because we’ve spent over two decades learning them, covering them, and helping contractors recover from them.
We’re licensed in 27 states.
If your work crosses state lines, we keep you covered. No gaps. One team handles it all.
We carry the CISR designation.
Our team maintains ongoing education in commercial insurance and risk management.
We’ve done this for over 20 years.
Our clients say we’re responsive, knowledgeable, and easy to work with. That’s the bar we hold ourselves to every single day.
You get a real person.
Not a chatbot. Not an automated portal. A dedicated professional who answers the phone, knows your name, and understands your business.
Protect Your Renovation Business the Smart and Easy Way
Your remodeling business took years to build. The right insurance makes sure one bad moment doesn’t undo all of it. The Allen Thomas Group has helped contractors find the right coverage for over 20 years, and we’d like to do the same for you.
Get Your Free Quote Today or Call (440) 826-3676.
Frequently Asked Questions
What insurance does a home renovation contractor need?
Most remodeling contractors need at least general liability insurance and workers’ compensation. Beyond those, many add builders risk, commercial auto, and tools and equipment coverage. The right combination depends on your team size, the services you offer, and your state’s requirements. A quick call with an experienced agent helps you sort it out.
How much does remodeling contractor insurance cost?
Most contractors pay between $970 and $1,200 per year. Your actual cost depends on the type of work you do, how many employees you have, your location, and your claims history. An independent agent shops multiple carriers on your behalf to find a competitive rate.
How do I get a quote from The Allen Thomas Group?
Tell us about your renovation business and we’ll compare options from top-rated carriers. You can start your quote online or call us directly at (440) 826-3676. Most contractors are surprised by how simple the process is.
Do I need workers' comp if I'm self-employed?
It varies by state. But many self-employed remodelers carry workers’ compensation anyway. If you’re injured on a job site, your personal health insurance may deny the claim because it happened at work. Workers’ comp covers those medical costs and replaces lost income. Even when you’re the only employee, that protection can be the difference between recovering and going under.
Does The Allen Thomas Group cover contractors outside of Ohio?
Absolutely. We’re licensed in 27 states across the U.S. If your renovation work takes you beyond Ohio, we help you stay properly covered. Just reach out and we’ll confirm availability in your specific state.