Kinro

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Business insurance for residential contractors.

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

What insurance can help protect

New homes and additions

Ground-up construction and structural additions create jobsite and completed-work exposure.

Remodeling projects

Work inside occupied homes can damage customer property or create injury claims.

Subcontracted trades

Contracts and certificates need to reflect who performs electrical, plumbing, roofing, and finish work.

Coverage to consider

General Liability

Can address third-party injury and property-damage claims tied to residential work.

BOP

Can combine liability and eligible business property coverage in one policy.

Workers Compensation

May cover employee work injuries and is often required when you have a crew.

Tools and Equipment

Can protect mobile tools and equipment used across residential jobsites.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag, before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

residential contractors questions?We have answers.

What insurance should residential construction contractors consider?
General Liability is often a starting point, with BOP, Workers Compensation, Tools and Equipment considered based on services, property, employees, contracts, and state rules. Coverage and eligibility vary by carrier.
What risks should residential contractors plan for?
new homes and additions, remodeling projects, subcontracted trades are important insurance discussions for this operation. Ground-up construction and structural additions create jobsite and completed-work exposure. Work inside occupied homes can damage customer property or create injury claims. Contracts and certificates need to reflect who performs electrical, plumbing, roofing, and finish work. Whether a policy responds depends on its terms, conditions, and exclusions.
What details affect insurance options for residential contractors?
Carriers commonly ask about the operation in detail. Do you build new homes, remodel existing homes, or both? What work is subcontracted and do you collect certificates? What are your annual revenue, payroll, and largest project size? The answers can affect eligibility, available limits, coverage terms, and price.
Can Kinro review insurance for residential contractors?
Yes. Share the current policy, quote, contract, or certificate request. Kinro can help compare General Liability, BOP, Workers Compensation, Tools and Equipment, requested limits, important exclusions, and follow-up questions for the operation.
Is there any obligation to buy?
No. Starting a request does not require you to purchase a policy.

What insurance should residential construction contractors consider?

residential construction contractors commonly review General Liability, BOP, Workers Compensation, Tools and Equipment. The right combination depends on the work performed, customers, employees, property, equipment, contracts, and state requirements.

  • Do you build new homes, remodel existing homes, or both?
  • What work is subcontracted and do you collect certificates?
  • What are your annual revenue, payroll, and largest project size?

Related business insurance guides

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