Renovation contractor insurance placed across 4+ carriers.
Builders risk, tools, WC, and hired auto for remodelers, renovators, and design-build firms. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions vs traditional brokerages.
- 02
Builders risk + tools + sub-default are the lines that drift on most renovation books. We rebuild them from scratch on every quote.
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Insta-COIs through the portal — never hold up a permit pull or jobsite handoff waiting on a broker.
Carriers we shop in Renovations
Coverage
What we quote in Renovations
Builders Risk
Course-of-construction on the structure being renovated, including soft costs.
Tools and Equipment
Hand tools, power tools, scaffolding, ladders. Theft on jobsite and in vehicle.
Workers Compensation
Carpentry, drywall, and trade-mix class codes priced on actual payroll.
General Liability
Premises + completed-ops with limits sized to project scope.
Hired & Non-Owned Auto
Trucks rented for material delivery, crew transport.
Subcontractor Default
Backstop when an electrical or plumbing sub walks off mid-project.
Frequently Asked
Renovations insurance questions, answered.
What does renovation contractor insurance typically cost?
Premium depends on payroll, project size profile, residential vs. commercial mix, percent of work subcontracted, state, and prior loss history. Larger gut-renovation work prices very differently than cosmetic remodels. Final cost is subject to underwriting and policy terms.
What is course-of-construction insurance?
Course-of-construction (also called builders risk) covers the structure being renovated — including materials on site, in transit, and temporarily stored off-site — against fire, theft, vandalism, and weather while work is in progress. It's a project-specific policy that runs from start of work to occupancy or completion. The owner's existing property policy typically excludes work in progress, which is why the gap exists.
Do I need subcontractor default coverage?
Subcontractor default insurance (SDI) responds when a sub walks off mid-job, declares insolvency, or otherwise fails to perform — covering the cost to bring in a replacement and finish the work. It's a backstop on top of collecting subcontractor COIs and waiver-of-subro language, especially on multi-sub renovation projects where one electrical or plumbing sub failing can stop the whole job. Coverage is subject to underwriting and the underlying contract terms.
What policies does a renovation contractor need?
A typical renovation program includes Builders Risk on active projects, Tools and Equipment, Workers Compensation, General Liability with products-completed-operations, Hired and Non-Owned Auto, and Subcontractor Default if you run multi-sub jobs. Limits should reflect the largest project value you take on.
How fast can I get a Certificate of Insurance for the GC, owner, or permit office?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, primary and non-contributory, waiver of subrogation, completed-ops AI) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work