Renovation contractor insurance placed across 4+ carriers.

Premium depends on payroll, project size profile, residential vs. commercial mix, percent of work subcontracted, state, and prior loss history. Larger gut-renovation work prices very differently than cosmetic remodels. Final cost is subject to underwriting and policy terms.

Course-of-construction (also called builders risk) covers the structure being renovated, including materials on site, in transit, and temporarily stored off-site, against fire, theft, vandalism, and weather while work is in progress. It's a project-specific policy that runs from start of work to occupancy or completion. The owner's existing property policy typically excludes work in progress, which is why the gap exists.

Subcontractor default insurance (SDI) responds when a sub walks off mid-job, declares insolvency, or otherwise fails to perform, and covers the cost to bring in a replacement and finish the work. It's a backstop on top of collecting subcontractor COIs and waiver-of-subro language, especially on multi-sub renovation projects where one electrical or plumbing sub failing can stop the whole job. Coverage is subject to underwriting and the underlying contract terms.

A typical renovation program includes Builders Risk on active projects, Tools and Equipment, Workers Compensation, General Liability with products-completed-operations, Hired and Non-Owned Auto, and Subcontractor Default if you run multi-sub jobs. Limits should reflect the largest project value you take on.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, primary and non-contributory, waiver of subrogation, completed-ops AI) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.

Routine work like intake, COIs, endorsements, policy Q&A, and renewal triage runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.