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Workers' compensation

Remodeler workers' comp: real policies from $1,237/yr

A remodeling crew may frame, demolish, hang drywall and set tile on the same job. Workers' comp is priced on the payroll for each kind of work, so how you describe the work matters. Here are two real remodeler policies we placed and what moves the price.

By Cohesive Insurance Services · licensed producer Kevin Zhang · Updated

Two real remodeler policies

A remodeling contractor working on single-family homes we insure pays $1,237 a year for workers' comp, written with AmTrust.

A home remodeler working on single-family homes we insure pays $2,565 a year for workers' comp, written with The Hartford.

Both businesses remodel single-family homes. The second pays about twice as much, which is normal for workers' comp: payroll, the class of work and claims differ from one business to the next.

Each line is one real policy we placed, not an average or a range. Your price depends on your payroll, the type of work, your state and your claims, and we can't promise a price until we see your details.

What sets a remodeler's price

Payroll is split by the work each person does. Carpentry, demolition, drywall and office work can each fall under a different class code with a different rate. If payroll sits under the wrong class, the audit after the policy term can change the price.

Tell us about any roofing, structural work or work at height, even if it is a small share of your jobs. Insurers rate it differently, and leaving it out is how a quote ends up wrong.

  • Payroll for carpentry, demolition, finish work and office staff, listed separately.
  • Any roofing, structural or exterior work at height.
  • Whether you are the only worker or have a crew.

Subcontractors on your jobs

Plumbers, electricians and other trades you hire as subs should carry their own workers' comp. If one doesn't, the carrier can add what you paid that sub to your payroll at audit and charge you for it.

Collect a workers' comp certificate from each sub before they start and keep it with your payroll records.

What we need to quote

Send the items below with the state where you work. Estimates are fine if you say they are estimates.

  • Annual payroll, split by the type of work each person does.
  • Number of full-time and part-time employees.
  • Years in business.
  • Claims in the past few years, or a note that there were none.
  • Whether your subcontractors carry their own workers' comp.

Your startup action list

Mark completed tasks, then download a copy with room for owners, dates, and notes. Progress stays on this page until you leave or refresh. No email required.

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Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.

Keep planning your business

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Get a workers' comp quote with Cohesive

Tell us about your business and we will shop your workers' comp. Have your payroll by type of work, employee count, years in business, claims and any GC or property manager requirements ready. If your employees only work in Ohio, Washington, North Dakota or Wyoming, get workers' comp from that state's fund; we can't sell it there. Prefer to talk? Call (929) 594-5450.

We shop your remodeling risk across our markets and send the best price back. No obligation to bind.

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