Renovation Contractor Insurance

Whether you’re an independent contractor or operate with employees, protect your business from potential liabilities with Renovation Contractor Insurance.

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Zensurance - Renovation Contractor

What is Renovation Contractor Insurance?

Renovation Contractor Insurance is an insurance policy specially designed to protect contractors of this trade against specific risks they may encounter, such as third-party injuries and property damage.

Mistakes can happen and potential lawsuits against your business can leave your operations damaged beyond repair. We know what makes your business unique, leave it to us to find the best coverage for you.

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What does it cover?

As a home repair contractor, your renovation project could range from replacing a bathroom sink to renovating an entire kitchen.  It is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive Renovation Contractor Insurance package will typically include the following:


Do Renovation Contractors need insurance?

Whether you offer commercial or residential renovation or home repair projects, work-related accidents that cause third-party injuries and property damage can result in liability claims against your business.

Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:


How much does it cost?

The cost of insurance for a renovation contractor working on residential projects typically starts at around $450 for a General Liability Insurance policy with a $2M limit.

There are several factors considered when determining a price for your insurance policy package, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

Complete our 5-minute online application form for a free insurance quote.

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Common claims scenarios

destroyed office floor

Problem: During the renovation of a commercial office building, one of your subcontractors mishandled heavy equipment, which caused property damages on the ground floor.

Outcome: Your Commercial Liability Insurance would cover the cost to repair the $100,000 worth of property damages.

lumber on fire

Problem: A fire broke out in your warehouse, destroying all of the framing lumber required for an upcoming home renovation project.

Outcome: The cost to replace your damaged equipment amounted to $56,000, which was covered by your Tools and Equipment Insurance policy.

old paint in home

Problem: After removing paint from the interior of an older home, improper disposal of the paint resulted in lead poisoning to the residents.

Outcome: Your Pollution Liability Insurance policy would cover the $250,000 lawsuit that was brought upon by your client.

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At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

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