Remodeling Contractor Insurance in Texas: GL, Tools & What You Must Have

If you're a remodeling contractor in Texas — whether you specialize in kitchen remodels, bathroom renovations, or basement finishing — insurance isn't optional. Homeowners require it before you step foot on their property, permits may require it, and without it, one accident could bankrupt your business.

What Insurance Do Remodeling Contractors Need in Texas?

    Texas does not require contractors to be licensed at the state level for most remodeling work, but it absolutely does not protect you from liability. The standard coverage for remodeling contractors includes:

• General Liability Insurance: The foundational policy every contractor needs. Covers bodily injury (e.g., a homeowner trips over your tools), property damage (e.g., you accidentally damage a client's flooring or plumbing), and completed operations liability (claims that arise after the job is done).

• Tools & Equipment Coverage: Covers your saws, drills, and other tools if they're stolen from a job site or damaged.

• Workers' Compensation: If you have employees, Texas gives you a choice — but going without WC means you're fully liable if a worker is injured on your job site.

Do I Need Insurance to Pull a Permit in Texas?

    In many Texas municipalities — including Houston — contractors pulling permits must provide proof of general liability insurance. The City of Houston requires contractors to register and show proof of GL coverage before obtaining certain trade permits.

How Much Does Remodeling Contractor Insurance Cost?

    For a solo remodeling contractor in Texas, expect to pay **$800–$2,000 per year** for a $1 million / $2 million general liability policy. The exact rate depends on your annual revenue, the type of work you do, and your claims history. Kitchen and bathroom remodelers tend to be on the lower end; structural work costs more.

Get an Instant Quote Through Argo + Thimble

    Argo Insurance's partnership with Thimble allows remodeling contractors to get an instant GL quote online — including kitchen, bathroom, basement, countertop, and finishing contractors. Complete the application in minutes and download your certificate immediately.

Need a certificate for a specific homeowner or permit office? Call Argo at (346) 241-0000 — we'll help you get the right additional insured endorsement added. Or get your instant quote here.