Your remodeling business transforms homes across California – bringing new life to kitchens, bathrooms and living spaces. Whether you’re installing cabinets or managing full renovations, your work involves risk. We believe in your business and want to help you protect it, so here’s a guide to the best insurance for residential remodelers. From job site injuries to property damage, the right coverage can keep you focused on building something great.
Residential remodelers in California face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for residential remodelers saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance is often required by your contracts and covers accidents, injuries and advertising-related claims.
Remodeler property insurance covers damages to your office or warehouse from fire, theft and other surprise threats.
Workers’ compensation is mandatory for all licensed contractors in California even if you don't have employees.
Contractors tools and equipment covers damages from fire, theft & more to the must-have items you bring to jobs.
Commercial auto is required in California to cover damages caused by the vehicles you use for transport or hauling.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!
Here are five essential coverages every residential remodeling company should consider to stay protected and profitable:
A business owner’s policy (BOP) for residential remodelers is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing businesses. Your BOP typically includes:
GENERAL LIABILITY FOR REMODLERS Covers legal and medical costs if a client or other non-employee is injured or their property damaged by your business. It also protects you from advertising-related claims. Examples:
REMODELER PROPERTY INSURANCE Helps repair or replace the property you don't take to jobs if disaster strikes – like fire, theft, or vandalism. This includes:
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.
As of January 2025, all licensed contractors in California must carry workers’ compensation insurance, even if they don’t have employees. This coverage pays for medical care and lost wages if someone is injured on the job – and protects you from most employee lawsuits. Examples:
If you use company-owned or personal vehicles to transport materials, tools or employees, California requires commercial auto insurance.
Helps remodeling businesses protect the valuable tools and equipment they bring to jobs. If yours are damaged or stolen while in transit or temporarily stored at job locations, this must-have coverage can repair or replace them. Examples:
Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies like your general liability reach their limits, which helps you protect your company's financial assets.
Every business is unique. We’re fans of yours and here to help you protect it. Mylo has been innovating insurance for ten years. We know how to connect people and businesses to the coverage they need. Because we don’t sell our own insurance, we can give you an objective recommendation.
At no charge to you, we will: