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Remodelers Risk.

Coverage for buildings and improvements during remodeling.

The Remodelers Risk Program is for clients who want to cover both the existing structure and the improvements to a residential or commercial property during a renovation. The program can protect property owners, contractors, receivers and others with a legal or financial obligation to insure the risk. Values can be up to $5 million.

Key advantages

  • Quick turnaround with only two short screens of data entry
  • A+ rated admitted carrier
  • Competitive pricing and commission
  • Superior claim service
  • No volume commitments
  • Backed by a specialized builders risk group, delivering the highest level of expertise and service


  • Commercial and residential properties with values up to $5 million
  • Properties that were in the course of construction in the past and work has been resumed

Coverage & Limits

  • Existing structure and betterments
  • Materials intended for installation at the job site
  • Scaffolding
  • Temporary structures
  • Other structures being built on the site
  • Coverage extensions
  • Fraud and deceit - (if the insured is conned into parting with covered property) up to $50,000
  • Limited fungus - arising out of a covered peril, up to $15,000
  • Soft costs - covering non-materials or labor expenses that occur as a result of a covered loss, including such things as financing, fees, taxes, etc.
  • General Liability avaliable for building owner, provided that the owner is not the contractor/GC. General Liability not avaliable in NY, DE, KY, FL. Up to $1M / $2M limits.

Supplemental coverage

  • Expediting expenses - covers additional expenses incurred to meet a contractual time frame, up to $10,000
  • Expenses to re-erect scaffolding - up to $15,000
  • Ordinance or law - covers additional expenses associated with complying with a law change when rebuilding after a covered loss, up to $500,000
  • Blueprints and construction documents - pays to replace or restore if lost due to arson, theft or vandalism, up to $20,000
  • Reward program - up to $10,000
  • Sewer back up - up to $10,000
  • Temporary storage location at $25,000 - with higher limits available
  • In-transit at $15,000 - higher limits available
  • Trees, plants and shrubs being planted or installed

The coverage information outlined herein is a guideline. Please refer to the actual policies for full terms, conditions, exclusions, and limitations. In the event of a conflict between this document and the actual policies, the policies will control.

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