Protect your business and meet your legal requirements

Your remodeling business transforms homes across Kentucky – bringing new life to kitchens, bathrooms and living spaces. Unfortunately, one surprise expense (accidental damage to a client's home or an employee's power tool mishap) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This guide breaks down:

Kentucky's required coverages
The most recommended protections
Typical costs of remodeler insurance in Kentucky
How to save money with fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy improving homes!)

Residential remodelers in Kentucky 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 covers damages or injuries caused by your business, as well as advertising-related claims.
Remodeler property insurance covers damages to your office or warehouse from fire, theft and other surprise threats.
Workers’ compensation is mandatory in Kentucky if you have employees.
Contractors tools and equipment covers damages from fire, theft & more to the important items you bring to jobs.
Commercial auto is required in Kentucky 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!

FIVE BEST COVERAGES FOR KENTUCKY RESIDENTIAL REMODELERS:

Here are five essential coverages every residential remodeling company should consider to stay protected and profitable:

1. Business Owner's Policy for residential remodelers

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:

A client trips over your extension cords and breaks a wrist
Your employee accidentally damages a homeowner’s flooring
A competitor accuses you of copying their logo or slogan

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:

Your office or warehouse
Furniture and inventory
Equipment that doesn't move

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.

month) Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Workers' compensation for residential remodelers (required in Kentucky)

Ohio requires workers’ comp for your business if you have employees. This valuable insurance covers medical care and lost wages for staff injured on the job and shields you from most employee lawsuits. Examples:

A worker falls from a ladder and fractures an arm
A crew member suffers heat exhaustion during outdoor work

3. Commercial auto for remodelers (required in Kentucky)

If you use company-owned or personal vehicles to transport materials, tools or employees, Kentucky requires commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property
Can also pay for physical damage to your vehicles (optional)

4. Contractors tools and equipment 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:

Your generator hits the side of a swaying trailer and parts are broken
Your power tools are stolen from a locked trailer at your client's home

5. Commercial umbrella insurance for remodeling companies

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.

THE BEST INSURANCE FOR RESIDENTIAL REMODELERS IN KENTUCKY

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Kentucky – at no cost to you.

In minutes Mylo will:

Recommend the right coverage for your Kentucky remodeling company
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

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RESIDENTIAL REMODELER INSURANCE FAQS

What residential remodeler insurance is required in Ohio?

If you have employees, Kentucky requires you to carry WORKERS' COMPENSATION. Kentucky doesn't require GENERAL LIABILITY, but many of your contracts with landlords, partners and vendors will. If you have company-owned or operated vehicles, Kentucky also requires you to carry COMMERCIAL AUTO.

What are some ways I can save money on insurance?

You may be able to bundle your most essential coverages (GENERAL LIABILITY, PROPERTY and BUSINESS INTERRUPTION) in a money-saving BUSINESS OWNER'S POLICY. In addition, Mylo makes it easy to compare the best quotes from multiple top-rated carriers so you can find the right coverage at the best value.

What is the typical cost of residential remodeler insurance in Ohio?

Typically, a residential remodeler in Kentucky will pay between $830-$1,800/year (or $64-$150/month) for a BUSINESS OWNER'S POLICY (which combines GENERAL LIABILITY, PROPERTY and BUSINESS INTERRUPTION). Purchasing GENERAL LIABILITY by itself may cost between $820-$2,000/year (or $68-$167/month.) A Mylo agent can help with estimates on other insurance products.

How do I get a Certificate of Insurance (COI)?

A CERTIFICATE OF INSURANCE provides proof to your clients that they can do business with you and not be on the hook financially if something goes wrong. Once Mylo has helped you purchase a policy, you can request a free certificate of insurance (COI) directly from your new carrier. Contact information for your insurance carrier will be included in the email your Mylo agent sends out with your policy documents.

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