Home Improvement Contractor Insurance in New York
Home improvement contractors face a wide range of risks on every job—from property damage and third-party injuries to subcontractor liability and jobsite accidents. At LIRisk.com, we specialize in insuring New York’s residential renovation industry with tailored insurance solutions that protect your business, satisfy permit and license requirements, and keep you competitive.
Why Choose LIRisk.com for Your Home Improvement Insurance?
Protecting Interior & Exterior Renovation Professionals Across Long Island, Queens, & NYC
We specialize in insuring contractors based in:
Suffolk County
Nassau County
Queens
Brooklyn
The Bronx
Manhattan
Staten Island
We only write business in New York—and we know exactly how to protect your business here.
Over 20 years of NY construction insurance experience
Access to Safety Groups and Dividend WC plans
Flexible billing: pay-in-full, financed, or direct bill options
Industry-specific coverage to avoid gaps or audit surprises
A-Rated carriers who understand the home renovation market
General Liability
Protects your business from claims involving physical injuries to third parties. ADD
Workers' Compensation
Covers the cost of damages to third-party property caused by your business operations. ADD
Commercial Auto
Ensure your vehicle is fully insured with both liability and collision coverage.
Professional Liability
Add professional liability as an additional product. ADD
General Liability Insurance for Home Improvement Contractors
Meet Compliance. Minimize Risk. Win More Jobs.
Whether you're replacing a roof, installing a new kitchen, or landscaping a backyard, General Liability insurance is essential. Our policies cover:
Third-party bodily injury or property damage
Completed operations and ongoing operations
Subcontractor liability (optional but available)
Additional insured endorsements (CG 2010, CG 2037, CG 2038)
Primary & non-contributory wording and waiver of subrogation
We help you obtain certificates quickly, so you can pull permits, satisfy licensing boards, or meet general contractor (GC) requirements.
Workers’ Compensation with Safety Group & Dividend Plan Options
Save on Premiums While Protecting Your Team
If you have payroll—or plan to hire labor—Workers’ Compensation is required in New York. At LIRisk, we go further by helping home improvement contractors join Safety Groups that may return a dividend of up to 30% depending on claims performance.
Coverage applies to:
Full-time & part-time employees
Project managers and working supervisors
Day labor (when reported properly)
Subcontracted work with certificates on file
Let us help you access WC carriers who specialize in your class and reward safe operations.
Insurance Solutions for Home Improvement Contractors in New York
At LIRisk.com, we offer specialized insurance solutions tailored for home improvement contractors across Long Island and New York. Whether you're a concrete contractor, electrician, plumber, or HVAC specialist, we provide the comprehensive coverage you need to protect your business and assets.
Covered Trades & Renovation Services
We Provide Insurance for the Following Home Remodeling Contractors:
LIRisk.com insures businesses involved in all aspects of residential improvements, including:
Interior Remodeling – Kitchens, bathrooms, flooring, drywall, tiling, and painting
Exterior Renovations – Roofing, siding, decking, fencing, and masonry
Carpentry & Millwork – Custom cabinets, framing, and trim
Windows & Doors – Replacement and installation
Roofers – Including height exposure with underwriting approval
Electricians & Plumbers – For whole-home remodels or additions
Landscaping & Tree Work – Including grading, plantings, and hardscape installs
Pool & Spa Installation – Above-ground and in-ground builds
Excavation & Concrete – Foundations, walkways, patios, and retaining walls
Subcontractor Management – We can insure GC/sub relationships with proper agreements and certificates
If you're bidding on a major renovation project, adding trades to your offering, or growing your business, our team can adjust your insurance plan accordingly.
Step One
Initial Consultation
Step Two
Customized Proposal
Step Three
Agreement
Step Four
Coverage Begins
Certificates, Endorsements & Compliance Made Easy
Speed Matters. So Does Accuracy.
We understand the urgency of permits and job approvals. That’s why LIRisk provides:
Same-Day COIs
Custom endorsement forms (CG 2010, CG 2037, CG 2040, CG 2038)
Waiver of Subrogation, AI status, and Primary Wording available
Subcontractor compliance reviews & audit support
OCP and Builders Risk policies are available upon request
Trade Contractors
We provide flexible, comprehensive insurance options for general, home improvement, and trade contractors to help protect their business and meet local regulatory and contractual requirements.
General Contractors
We understand the risks of managing large-scale projects and provide solutions that meet both regulatory and business needs.
Home Improvement Contractors
We offer customized insurance policies specifically for home improvement contractors, whether you focus on residential renovations or larger construction projects, ensuring compliance and complete protection.
Retail Stores
We offer tailored insurance for retail businesses, providing coverage for property, inventory, and liability. From small shops to large stores, our policies help you stay protected from various risks.
Service Providers
From janitorial services to food and beverage businesses, we understand the unique insurance needs of service providers. Our solutions cover employees, equipment, and legal liabilities.
Auto Services
Auto repair shops, body shops, and dealerships face unique risks. We offer coverage to protect your business, including Garage Liability for third-party injuries or property damage, Garagekeepers Insurance for customer vehicles, and Business Auto Insurance for company vehicles.
Frequently Asked Questions (FAQ)
At LIRisk.com, we specialize in providing tailored insurance solutions to contractors, small businesses, and employers across Long Island and New York. Our comprehensive offerings ensure that your business has the protection it needs to thrive, no matter your industry.
Do I need General Liability Insurance if I work as a subcontractor?
Yes, many general contractors require proof of insurance before hiring subcontractors. Without coverage, you could be personally liable for damages.
Can I add an additional insured to my policy?
Yes, you can add project owners, general contractors, or other entities to your policy as additional insureds for added protection.
How do I prove I have General Liability Insurance?
The insurer will provide a Certificate of Insurance (COI), which serves as proof of coverage.
Does General Liability Insurance cover faulty workmanship?
No, but it may cover resulting damage caused by faulty work. To protect against poor workmanship claims, consider a Contractors Errors & Omissions Policy.
