What Kind of Insurance Do I Need for a Remodeling Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 16
- 2 min read
Updated: Oct 17
Running a remodeling business comes with exciting opportunities—and serious risks. From property damage to job site injuries, remodeling contractors face unique challenges that require the right insurance coverage. Whether you're just starting out or scaling your operations, having proper insurance is essential to protect your business, your clients, and your reputation.
At Wexford Insurance, we specialize in helping remodeling contractors find tailored insurance solutions designed for the construction and home services industry. Here’s a breakdown of the key insurance policies every remodeling business should consider.
Why Insurance Is Essential for Remodelers
Remodeling projects often involve:
Working inside client homes or commercial buildings
Using power tools and heavy equipment
Hiring subcontractors or employees
Transporting materials and tools
Managing project timelines and budgets
Without insurance, a single accident or claim could derail your business financially. That’s why coverage isn’t just a formality—it’s a strategic investment.
What it covers:
Property damage caused during remodeling work
Bodily injury to clients or third parties
Legal defense costs if you're sued
This is the foundation of your insurance plan and often required to bid on projects or obtain licenses.
What it covers:
Medical expenses and lost wages for employees injured on the job
Legal liability for workplace injuries
Required in most states if you have employees or subcontractors.
What it covers:
Accidents involving vehicles used for business
Damage to your work trucks or vans
Liability for injuries or property damage
If you transport tools, materials, or employees, this coverage is a must.
What it covers:
Damage to your office, warehouse, or storage space
Losses from fire, theft, vandalism, or natural disasters
What it covers:
Theft, loss, or damage to your tools and machinery
Coverage while tools are in transit or on job sites
Your tools are your livelihood—don’t leave them unprotected.
What it covers:
Claims of negligence or errors in your work
Legal costs if a client sues over unsatisfactory results
This is especially useful for design-build remodelers or those offering consulting services.
Final Thoughts
Insurance isn’t just about compliance—it’s about confidence. With the right coverage, you can focus on growing your remodeling business, knowing you're protected from unexpected setbacks.
At Wexford Insurance, we work with remodeling contractors across the country to build insurance programs that fit their needs and budgets. Whether you're just starting out or expanding your crew, we’re here to help.
👉 Contact Wexford Insurance and protect your remodeling business today.
