Home Improvement Contractor Insurance — Coverage, Cost & Requirements
Home improvement contractors — kitchen remodelers, bathroom renovators, deck builders, and addition specialists — work inside occupied homes, creating elevated liability exposure. A single mistake can mean water damage to finished living spaces, structural issues that affect the home's value, or injury to a homeowner's family member. Home improvement contractor insurance combines general liability with completed operations coverage (for post-job claims), workers' comp for your crew, and commercial auto for your vehicles. Many states require home improvement contractors to carry a minimum GL limit and register their policy with the state contractor licensing board.
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What Coverage Does Home Improvement Contractor Insurance Include?
Most home improvement contractor businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Inland Marine
Covers tools, equipment, and goods in transit or at off-site job locations.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Home Improvement Contractor Insurance Cost?
The cost of home improvement contractor insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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