Workers' Compensation for residential remodeling contractors

If your subs are employees (or misclassified as 1099 when they're really employees), your comp may respond. If they're true independent contractors with their own comp, they're excluded. Require certificates from every sub — and we'll walk through the classification question for your situation.

After three years with coverage, your mod is calculated based on actual vs. expected losses. A credit mod (below 1.0) reduces your premium; a debit mod (above 1.0) increases it. One serious lost-time claim can move your mod for three years.

In most states, yes — workers' comp requirements apply once you have employees, regardless of hours. Part-time and seasonal workers should be reflected in your policy to avoid audit and coverage gaps.

Cost is driven by project types, annual revenue, payroll, crew size, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes residential remodeling programs nationwide.

Typically 15 minutes on a call. Larger programs with multiple crews or significant revenue may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S markets for remodelers declined over loss history, completed-operations claims, or other issues. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper and cleaner than separate policies from separate carriers — especially at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so the coverage is there when a completed-operations claim, a CPL lawsuit, or a workers' comp injury hits.

Yes. If your business spans remodeling and new construction, we structure a program that covers both exposures — including the different completed-operations and GL considerations that apply to each.

GL policies include a completed-operations section with its own aggregate limit. We make sure the limit is adequate for remodeling exposure and that the form doesn't contain exclusions that would carve out your most common claim types.

Project types (kitchens, baths, additions, whole-home), annual revenue, payroll and crew size, number of vehicles, tools value, current coverage, and loss history. The more detail, the more accurate the quote.

Yes, though historic work may involve additional CPL exposure (lead paint, asbestos, plaster with hazardous materials) and completed-operations considerations. We note historic-home work when shopping markets.

The coverage lines are the same, but project values, trade mix, and CPL exposure can vary. Kitchen remodelers tend to carry higher project values and plumbing/electrical sub exposure; bath remodelers have significant tile and waterproofing completed-ops risk.

Completed-operations coverage on your GL responds to property-damage and bodily-injury claims arising from finished work. On an occurrence-based policy, the coverage active at the time you did the work responds — even if the claim arrives years later.

Yes. If you operate multiple LLCs, have a separate rental entity, or work through different business structures, we build programs that cover each entity correctly and coordinate between them.

Yes — this is a standard requirement in most subcontract agreements. We add additional-insured endorsements to your GL (and often your umbrella) so you can name GCs and project owners as required by your contracts.