Remodeling, Repair and Service Contractors Insurance

M.J. Hall & Company now offers Remodeling, Repair and Service Contractors Insurance designed for agents placing multi-trade remodeling, repair and service contractors on both residential and commercial projects.

We provide coverage for contractors who perform renovations and improvements to existing buildings, including kitchen and bathroom remodels, energy-efficiency retrofits, tenant improvements and other work involving multiple trade classifications and incidental subletting.

Our Remodeling, Repair and Service Contractors Insurance Coverage Includes:

General Liability Coverage (Primary and/or Excess)

• Artisan contractors
• Commercial contractors > All types
• Residential contractors and developers
• Custom home builders
• Residential remodels
• Commercial tenant improvements and service contractors
• Roofing and paving contractors
• Swimming pool contractors
• Contractor pollution liability
• Environmental contractors and consultants

Course of Construction (Builders Risk)

• All types of construction projects considered
• Optional coverages can include: soft costs, transit, earthquake, flood
• Can include “completed but unsold” coverage
• Reporting form available for qualifying accounts
• Specialty application required

Ideal Accounts and Appetite

This program is a good fit for:

• General contractors performing tenant improvements and interior renovations
• Residential remodelers and custom home builders with multiple trades on a single project
• Contractors who occasionally sublet portions of work to subcontractors
• Specialty contractors such as roofing, paving and swimming pool builders
• Environmental or remediation contractors needing contractor pollution liability

Typically not a fit: new speculative land development (large tract development), heavy civil projects, or accounts with significant ongoing professional design liability unless specifically underwritten.

Coverage Highlights and Advantages

• Primary and excess general liability solutions to match account limits
• Course of construction (builders risk) with optional extensions for soft costs, transit, quake and flood
• Contractor pollution liability available for projects with environmental exposures
• Reporting form options for variable project exposures
• Ability to package multiple lines for a single contractor account where permitted

Underwriting Notes and Minimum Premiums

Underwriting requires a specialty application for most accounts. Appetite and terms vary by carrier; M.J. Hall leverages multiple markets to place accounts with complex trade mixes or non-standard exposures. Minimum premium: Varies by carrier and state—submit detailed risk information for an accurate indication.

Territories and Availability

This program is offered through M.J. Hall as an Excess & Surplus Lines solution with some admitted options in select states. Availability includes: AK, AZ, CA, HI, NV. Carriers: various carriers (market access dependent on state and account characteristics).

Why Work With M.J. Hall & Company on This Business

• Specialized E&S placement capability for contractors with mixed-trade exposures
• Access to multiple carriers to fit difficult or layered risks
• Experienced underwriting that understands contractor operations, subletting and course-of-construction exposures
• Practical solutions for accounts that need pollution liability, transit, or completed but unsold coverage

Example scenarios: You might have a mid-size remodeling contractor who performs kitchen, roof and deck work and occasionally subcontracts plumbers — this program can combine general liability and contractor pollution liability where needed. Or an agent with a tenant-improvement contractor who needs builders risk with soft-costs coverage while a project is underway.

Our agents would be happy to discuss Remodeling, Repair and Service Contractors Insurance with you — contact M.J. Hall today to submit risks or request a quote.