Remodeling · Piedmont Triad, NC
Greensboro, Winston-Salem, and High Point carry a large stock of early and mid-century homes. Older wiring and plumbing surface routinely once walls open up.
Free to use. No obligation. No spam.
Free Tool
At audit time, the auditor compares the payroll you estimated to the payroll you actually paid. Any sub who can’t produce a certificate for the work they did can end up on your bill instead of theirs. Answer a handful of questions about your crews, your subs, and your payroll, and see where you stand before the audit does. Built for remodeling contractors who run 1099 crews.
Free. Takes about 90 seconds. No quote unless you ask.
Areas Covered
If your crews work anywhere in this part of North Carolina, an independent agent can quote you — including jobs that cross into neighboring regions.
Coverage Types
A complete program is usually six policies working together, not one general liability certificate.
Third-party bodily injury and property damage, including damage to parts of the home outside your scope. The policy your homeowner customers and their insurers will look to first.
Medical bills and lost wages for your crew, and the policy that absorbs uninsured trade-partner payroll at audit. Certificate discipline is the cheapest premium control a remodeler has.
Covers cabinetry, fixtures, flooring, and materials you've delivered or partially installed but haven't handed over. General liability won't respond when staged materials are stolen or damaged.
Covers tools and equipment on the job, in transit, and in the truck overnight — where they actually get stolen. A remodeler's tool investment is often larger than a specialty trade's.
Trucks, trailers, and dump runs between jobs and the yard, plus hired and non-owned auto for crew driving personal vehicles to sites.
Sits above general liability and auto. High-value residential work and any commercial or multi-family remodeling routinely push required limits past what a base policy carries.
Common Questions
The common trigger is project value — jobs at or above $40,000 generally require licensure through the state board, most often in the residential classification. A single kitchen-plus-addition project can cross that line, so it's worth confirming before you sign the contract.
Salt air, humidity, and storm damage produce more rot and structural repair, which means more of your work involves opening up load-bearing elements. Carriers also watch post-storm repair volume, since it brings unfamiliar trade partners onto jobs quickly.
This is the central coverage question in remodeling and the answer depends heavily on policy wording. Damage you cause to other property is generally the kind of thing liability coverage addresses, while the cost of redoing your own defective work usually is not. Because renovation blurs that line constantly, it's worth reviewing the specific exclusions with a licensed agent rather than assuming.
At audit, what you paid that electrician or plumber is generally treated as your own payroll and you pay premium on it. How much depends on your records: labor-only work is typically included at a high percentage, labor and materials at a lower one when your invoices separate the two, and the full contract price when they don't.
Related:Chargeback Risk Score →
Often yes. Work disturbing lead paint in pre-1978 housing carries federal lead-safe practice obligations, and asbestos-containing materials are commonly excluded from standard general liability. If you regularly open up older homes, ask your agent specifically how pollution and lead exclusions are worded on your policy.
Tell us about your business and an independent agent licensed in North Carolina will reach out within one business day.
Nearby
Crews rarely stay inside one region. The North Carolina page has the licensing and workers' comp detail that applies statewide; the rest are the regions next to this one.
Other Trades
Plenty of shops run more than one trade. Here's Piedmont Triad for the rest of what we cover.