Insurance for Texas Remodeling Contractors
Remodeling contractors work inside existing structures, which means you're surrounded by the client's property from day one. Kitchen remodels, bathroom renovations, room additions — every project carries risk of damage to the existing structure. The right insurance keeps these situations from becoming business-ending problems.
Key Risks
- ⚠Damage to existing structures during demolition or construction
- ⚠Water damage from plumbing modifications — the most common claim we see
- ⚠Electrical issues from rewiring or panel upgrades
- ⚠Employee injuries in occupied homes
- ⚠Client property damage — furniture, flooring, fixtures
- ⚠Completed operations — defects discovered after project completion
Required Coverages
General Liability
Covers damage to client property and third-party injury claims. Essential for remodelers.
Workers Compensation
Covers employee injuries during remodeling work.
Commercial Auto
Covers vehicles used to transport materials and equipment.
Tools and Equipment
Protects saws, drills, and specialized remodeling equipment.
Builders Risk
Covers the structure during major renovation projects.
Job Requirements
- ✓Homeowners and property managers require proof of insurance
- ✓Permits often require contractor insurance verification
- ✓HOAs may require specific coverage limits
- ✓Lenders may require builders risk for financed renovations
Frequently Asked Questions
Do remodelers need builders risk insurance?
For major renovations that significantly alter the structure, builders risk is recommended. It covers the project during construction from fire, theft, vandalism, and weather damage.
What is the most common claim for remodelers?
Property damage to the existing structure — accidentally cutting through a water line, damaging flooring, or causing structural issues during demolition.