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
awesome
awesome
Jose U.
3/30/2023
So far I like it
So far I like it
Linus L.
3/29/2023
So easy, perfect
Just fill it and send it insurance, so simple and a perfect solution to build client confidence and help to win jobs. Thank you for this
Joe H.
3/29/2023
Owner
Si far so good
Robert F.
3/28/2023
Very Happy
Next insurance is perfect and affordable for my needs.. Thank you
John A.
3/28/2023
Covered
I needed a quick turn around time and an affordable business policy and Next delivered on both counts and got me the coverage I needed. Thank you!!
Richard Z.
3/28/2023
Awesome
Was very easy to obtain insurance . No hassle to get a insurance certificate like it was with my last company,
Sean C.
3/28/2023
Nice people that work there
Nice people that work there
Rogelio B.
3/28/2023
Your agent was very helpful.
Your agent was very helpful. thanks you guys
Brett A.
3/28/2023
Best Experience Yet
I am a small business owner and really appreciate the support and help NEXT provided me when I needed fast answers pertaining to my insurance needs. My insurance Broker admitted to...
Michael M.
3/27/2023
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
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
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.
NEED A FAST CERTIFICATE OF INSURANCE?
Download the NEXT mobile app and get your COI in seconds.
More professions that are covered by NEXT
Home Renovation Contractor, Waterproofing, Siding Installation Contractor, Plastering and Stucco Work, Paving and Asphalt Contractor, Insulation Contractor, Building Sign installation, Glazier, Painters, Drywall Contractor, Concrete Contractor, Tile, Stone and Flooring Installer, Excavation Contractor, HVAC Contractor, Debris Removal, Mason, Electrician, Carpenter, Roofing, Welding, Plumber, Appliance Technician, Handyman, General Contractor
* 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.