Remodeler & General Contractor General Liability in Huntsville, AL

How we take care of you

One local agent for your Huntsville business insurance

America Insurance Brokers is an independent agency, so we work for you, not for one insurance company. You get one local agent who takes the time to learn your business, shops your coverage across our 35+ carrier appointments, and brings back clear options you can compare side by side.

We keep quotes fast and simple, explain what each policy does and doesn’t cover in plain English, and stay with you after the sale for certificates of insurance, policy changes, questions and a review at every renewal.

Coverage we help Huntsville, AL businesses put together

General liability
Business owner’s policy (BOP)
Workers’ compensation
Commercial auto
Commercial property
Umbrella & excess liability
Professional liability (E&O)
Tools & equipment (inland marine)

Whether you’re a one-person contractor or a growing company with employees and vehicles, we’ll help you fit the pieces together so your coverage matches the way you actually work.

Get a general liability quote

A few quick steps. A local AIB agent will follow up.

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Huntsville at a glance

Remodeling work in Huntsville

The 2010 Census counted 180,105 people in Huntsville, a 13.8% increase over the 158,216 counted in 2000. In a city the size of Huntsville, remodelers juggle older homes, condo boards and property managers, and nearly every one of them asks for a certificate naming them before work starts.

Huntsville is Alabama's #4 city by population, and certificate requests for remodelers and general contractors typically come from property managers, condo and HOA boards, commercial landlords and general contractors. Tell us who is asking and what their contract says, and we'll match the coverage and the certificate wording.

Huntsville's city limits reach into Limestone County, Madison County and Morgan County, so remodelers and general contractors here may pull permits and meet inspectors in more than one county. One general liability policy follows your work across county lines, and certificates can name each customer, GC or property manager that asks. For local facts and nearby cities, see the Huntsville general liability page; for the full coverage outline and carrier appetite, see our remodeler general liability guide.

AIB will confirm availability for your Alabama business at quote.

Population (2010 Census): 180,105
Change, 2000 to 2010: +13.8% (growing)
Population rank in Alabama: #4
Land area: about 209 sq mi
Counties: Limestone County, Madison County and Morgan County

What it covers

Claims general liability is built for

Damage to the client's home. A saw slips through a finished countertop, a dropped beam cracks tile, or dust and debris ruin flooring in the next room.
Injuries at the job site. A homeowner, a neighbor's child or a delivery driver trips over open flooring, cords or a stack of lumber.
Subcontractor mistakes. A sub's error floods a bathroom or damages a wall, and the homeowner looks to you as the contractor in charge.
Problems after the job is done. A railing, cabinet or fixture you installed fails months later and someone is hurt; completed-operations coverage responds.

Subcontractors. Collect a certificate of insurance from every sub before they start. A sub's mistake can become your claim, and on many GL policies an audit can add premium for uninsured subs.

Insurance providers

Markets for Huntsville remodelers and general contractors

Markets AIB works with that write this class. AIB will confirm availability for your Alabama business at quote.

Coterie

Insurance provider

Coverage is quoted and bound through Coterie.

General liabilityBOPCertificates on demand

For remodelers and general contractors:

Residential remodelers are among the classes Coterie writes most often, on a business owner's policy or general liability.
Best fit is small residential remodeling and repair work and finish carpentry, rather than ground-up construction or commercial general contracting.
Certificates of insurance can be issued on demand once a policy is in force.

Fast, digital quoting. Coterie says it offers instant quotes and policy issuance for eligible businesses.
Certificates of insurance on demand once a policy is in force.
Home-based and newer businesses may qualify.

Coterie is not the insurance company. Policies are issued by its rated partner insurers. Coterie does not offer workers' comp or commercial auto; AIB quotes those separately.

Plus more carriers and specialty markets

Through AIB’s 35+ carrier appointments

Beyond Coterie, AIB can shop additional small-business insurers and specialty markets for Huntsville remodelers and general contractors. Which ones fit depends on your business, your history and each company’s current appetite, so availability is confirmed by AIB at quote.

Standard carriers for established businesses
Specialty markets for harder-to-place operations
Workers’ comp, commercial auto, umbrella, and surety or contractor bonds through AIB

Click here to call or email sales@goaib.com. All quotes and service go through AIB.

Click here to call Get My Quote

How it works (30-second video)

Start your Coterie quote

Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

Nearby

Remodeler coverage near Huntsville

Questions

Huntsville remodeler insurance FAQ

Where can I get remodeling business insurance in Huntsville?

AIB quotes Huntsville remodeling businesss online through Canopy Connect or by phone (tap Click here to call). Coverage can be quoted and bound through Coterie, plus additional markets through AIB's 35+ carrier appointments. AIB will confirm availability for your Alabama business at quote.

Do I need to add the homeowner or GC as an additional insured?

Often, yes. Many contracts ask for additional insured status, and some also ask for a waiver of subrogation or primary and non-contributory wording. Those have to be on the policy, not just typed on the certificate, so send us the contract before you sign.

Does general liability pay to fix my own faulty work?

Generally no. General liability is for injury and damage to other people's property. The cost to redo your own work is usually excluded, though resulting damage to other property may be covered.