Independent insurance agencyRemodeler and general contractor general liability, explained for Alabama contractors
Homeowners and GCs hire contractors who can prove they're insured. Show up with a certificate in hand. AIB is an independent agency, so we compare options instead of selling one company’s policy. AIB will confirm availability for your Alabama business at quote.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
What general liability does for a remodeling business
General liability helps pay for claims that your business injured someone who isn't your employee or damaged someone else's property, including the cost of defending those claims. Most policies also include personal and advertising injury (such as libel or copyright claims from your advertising) and small medical-payment claims regardless of fault. Remodelers and general contractors face claims from homeowners, neighbors and the public at the job site. General contractors should collect certificates of insurance from subcontractors, because a sub's mistakes can lead to claims against the GC. Products-completed operations coverage responds when injury or damage shows up after a job is finished. Customers and general contractors often ask for a certificate of insurance and may ask to be named as an additional insured. General liability does not cover injuries to your own employees (workers' compensation), your vehicles (commercial auto), your tools and equipment (inland marine) or the cost of redoing your own work.
Common claims for a remodeling business
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.
Advertising injury
A yard sign, website or social post uses a photo you didn't have rights to or makes a claim about a competitor.
What it usually doesn’t cover, and what to pair it with
| Gap | Coverage that fills it |
|---|---|
| Your own crew getting hurt | Workers' compensation |
| Your tools, trailers and equipment | Inland marine (contractors equipment) coverage |
| Accidents in your work truck | Commercial auto |
| The cost to redo your own faulty work | Generally not covered by general liability, though resulting damage to other property may be |
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.
New construction or commercial projects? Small residential remodeling and repair is the easiest fit for most small-business markets. Ground-up new construction, commercial general contracting and larger projects usually go to different markets, so tell us the work you actually do.
Who writes remodeler and general contractor general liability in Alabama?
These are markets AIB works with that write this class. Being listed doesn’t guarantee a quote; eligibility depends on your business, your services and underwriting. AIB will confirm availability for your Alabama business at quote.
Coterie
Insurance provider
Coverage is quoted and bound through Coterie.
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 Alabama 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.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Coverage remodelers and general contractors often add
- Workers' comp for your crew (written by other insurers; never through Coterie)
- Inland marine for tools, trailers and equipment
- Commercial auto for work trucks and vans
- An umbrella when a contract asks for higher limits
Start online in a couple of minutes, or click here to call.
An independent insurance agent compares the markets that fit your business.
Review the options. Nothing is bound until you approve.
Remodeler and general contractor general liability in Alabama cities
General liability in Alabama’s largest cities
Remodeler and general contractor general liability FAQ
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.
Do my subcontractors need their own insurance?
Yes, you should require it. Ask every sub for a current certificate before they start. Uninsured subs can add premium at audit and leave you holding their claims.
Does general liability cover my tools?
No. Tools, trailers and equipment are covered by inland marine (contractors equipment) coverage. AIB can quote it alongside your general liability.
Which carriers write remodeler general liability in Alabama?
Residential remodelers can be quoted and bound through Coterie, plus additional carriers and specialty markets through AIB's 35+ carrier appointments. AIB will confirm availability for your Alabama business at quote.
Get a remodeler and general contractor general liability quote
Tell us about your business and the services you offer. An independent insurance agent at AIB compares the markets that fit. Nothing is bound until you approve.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Prefer email? Write to sales@goaib.com for quotes, certificates and service.
Request a quote
Coverage is subject to underwriting review and approval. Availability varies by state, insurance provider and business type. The insurance providers named are markets AIB works with. Being listed does not guarantee a quote or coverage. Contact AIB for a quote.
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