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Illustrated open desert street with a Joshua tree, a pickup truck and a dumpster full of old cabinets in front of a house on one side, and a Joshua tree over a house with a new framed addition, a purple hard hat hanging on its studs, sawhorses and stacked lumber on the other

Residential remodeling insurance

the kitchen now.
the addition next.

Liability, comp, trucks, tools and builders risk for remodelers moving from kitchens and baths into additions and design-build.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A soaked ceiling, a fall, a torn tarp. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house mid-renovation with an opened water line spraying in a gutted upstairs bathroom and dripping through the living room ceiling, a kitchen torn out on the lower floor, a storm-torn tarp over a new framed addition, a fallen ladder beside a purple hard hat, and a pickup with an emptied job box backed through a wooden fence

general liability

An open line soaks the room below

Damage to the customer’s home.

builders risk

A storm tears into the new addition

The project itself, before it’s handed over.

workers’ comp

A carpenter falls from a ladder

Medical bills and lost wages.

tools and equipment

The job box gets cleaned out overnight

Tools and gear, on the job or on the road.

commercial auto

The truck backs through a fence

Damage you cause on the road.

general liability

An open line soaks the room below

Damage to the customer’s home.

Examples. Your policy sets the details.

the work changes
what we check.

Kitchens, additions and design-build carry different risks. Pick yours.

Kitchen and bath

High-value finishes, occupied homes.

We check demolition, cabinetry and appliances, the plumbing and electrical trades you subcontract, and how dust and water are controlled while the family lives there.

we check first: The trades you subcontract. Illustrated kitchen base cabinets with open doors under a new sink, a boxed-in dishwasher, an open stud wall with a supply line, and a purple tape measure on a drop cloth

remodeling businesses
usually carry.

Put them on one program and we shop them together at every renewal.

water through the ceiling?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the homeowner’s details go to the carrier.

  3. 3. We push it through

    Repairs, the homeowner’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Hearthstone Remodeling

your options

$16,400a year, 4 policies

3 options, same coverage

Option A$16,400

Option B$17,900

Option C$19,800

6 carpenters3 trucksRaleigh, NCClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
remodelers ask for.

The coverage behind the job.

growing by
acquisition?

Buying another remodeling shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about residential remodeling insurance.

What insurance does a residential remodeling business need?
Most residential remodelers carry general liability, workers’ comp, commercial auto and tools coverage. Homeowners ask for proof of insurance before demolition, lenders can ask on financed projects, and state rules set when comp applies. Builders risk, umbrella, professional liability, pollution and surety bonds can come up as projects grow or take on design.
Does general liability cover damage to the home I’m remodeling?
It can cover damage your work causes to the parts of the home you weren’t hired to work on, like a floor ruined by water from a line opened upstairs. Fixing your own faulty work is usually a separate question. Exclusions and the policy wording matter, so the details are worth reading closely.
Do I need builders risk on an addition?
Often, on additions and larger projects. Builders risk covers the project itself while it’s underway, like framing damaged by a storm before the job is finished. Homeowners and lenders may ask for it, and the homeowner’s own policy may treat new construction differently. The contract usually says who carries it.
How do subcontractors and design-build work affect remodeling insurance?
Carriers look at which trades you perform yourself and which you subcontract, your subcontractor agreements and certificates, any design responsibility, project values and structural work. We describe professional services and subcontracted work plainly, rather than burying them in a general remodeling description, so the policy matches the job.
What affects the price of remodeling insurance?
Mainly project type and value, work in occupied homes, structural work, design-build responsibility, revenue, payroll, subcontractor costs, vehicles, equipment and your claims history. We read the limits and exclusions alongside the premium, so you compare what the price actually buys.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA