Typical planning range
$750-$3,500+ per year for many small setups
Key points to review
- Project size
- Subcontractor use
- Occupied-home exposure
- Contract requirements
Remodeling work creates mixed exposure
A remodeler may combine carpentry, demolition, subcontractor coordination, occupied-home work, and project management. That mixed exposure is why quote applications often ask for a detailed breakdown of operations.
Before requesting quotes
Gather contract requirements, annual revenue, payroll, subcontractor certificates, project types, and any requested certificate holder wording.
These ranges are educational estimates only. Licensed insurance providers calculate final premiums based on underwriting, limits, operations, state, payroll, revenue, claims history, and other details.
Prepare your quote checklistSources
Related guides
General Contractor Insurance Cost
Plan for common general liability, workers compensation, and tools coverage cost drivers.
Do Subcontractors Need Their Own Insurance?
Understand why contractors often ask subcontractors for their own insurance and certificates.
Certificate of Insurance Checklist for Contractors
Prepare the details contractors often need when a client asks for a certificate of insurance.