Home Renovation Contractor Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

General Liability

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Workers' Compensation

Contractors' E&O

Tools & Equipment

Other Coverages

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Home renovation contractor insurance that's made for your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to home renovation contractor business so you are always protected against unpredictable events. The most common insurances packages bought by home renovation contractor business owners include:

General liability
Contractors’ E&O
Workers’ compensation
Tools and equipment
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different home renovation contractor business insurance policies available and save up to 10% when you bundle two or more of our policies.

General Liability

Bought by 95% of business owners like you

General liability insurance helps to protect you from unexpected expenses related to many types of accidents that can affect your home renovation contractor business. And clients could require that you have general liability coverage as part of contract requirements so they know that you can pay for any accidental injuries or damage related to your work.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Contractors’ E&O

Bought by 80% of business owners like you

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake or missing a deadline that causes someone to lose money. For example, if you are accused of damaging a sprinkler system while repairing a ceiling, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance helps to make sure workers are taken care of if they’re hurt on the job, while also protecting home renovation contractor business owners from significant financial losses after an accident. It’s legally required in most states for businesses with employees.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs.nTools and equipment insurance is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance is one of the most common types of small business insurance home renovation contractor owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

gilbert f.

6/12/2023

Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

6/5/2023

Awesome

The best insurance company I've delt with by far.

Jared B.

4/21/2023

Great service

Very easy to use site

Theodore S.

4/20/2023

Quick service.

They were just there for me instantaneously.

MattHew H.

4/20/2023

New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

Ofelia U.

4/19/2023

Pleased

I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend

Jesus C.

4/18/2023

Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

christopher h.

4/18/2023

consolidating insurance

My sales provider help me thru the process. It was so easy.

kelly J.

4/17/2023

General Liability

Super simple process

Jordan S.

4/16/2023

You can save up to 25% in discounts on home renovation contractor insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much should a home renovation contractor expect to pay for insurance?

Your home renovation contractor insurance costs will be tailored to your business. Several factors will impact the price you pay, including:

Your claims history
How high you set your limits
Your work experience
How many people you employ

With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.

Learn more about home renovation contractor insurance costs and coverage.

How important is it for a home renovation contractor to have business insurance?

We know building a small business is an investment. To protect that investment, home renovation contractor businesses need insurance to avoid financial losses. Business insurance can protect your from:

Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
Damage to the physical items you need to do business.
Claims of work mistakes or negligence.
Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.

NEXT is dedicated to helping home renovation contractor business owners find the affordable coverage you need to stay protected, meet legal requirements and satisfy your customers.

Frequently asked questions about home renovation contractor business insurance

Here are some of the most common questions we get about home renovation contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer workers' compensation coverage for home renovation contractor?

Yes, NEXT Insurance offers workers' compensation insurance, general liability, contractors’ E&O, commercial auto, tools & equipment and commercial property coverage for home renovation contractor businesses.

Does NEXT Insurance offer commercial property coverage for home renovation contractor?

Yes, NEXT Insurance offers commercial property insurance, general liability, contractors’ E&O, commercial auto, workers' compensation, tools & equipment coverage for home renovation contractor businesses.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.

Home Renovation Contractor Insurance

You can save up to 25% in discounts on business insurance.*

Home renovation contractor insurance that's made for your business

General Liability

Contractors’ E&O

Workers' Compensation

Tools & Equipment

Commercial Property

What customers say about us

You can save up to 25% in discounts on home renovation contractor insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

How much should a home renovation contractor expect to pay for insurance?

How important is it for a home renovation contractor to have business insurance?

Frequently asked questions about home renovation contractor business insurance

Does NEXT Insurance offer workers' compensation coverage for home renovation contractor?

Does NEXT Insurance offer commercial property coverage for home renovation contractor?

What do I need to get an insurance quote online?

How can I get a certificate of insurance?

How does the claims process work with NEXT Insurance?

More professions that are covered by NEXT