Texas Residential Remodelers & Kitchen/Bath Insurance
Underwriting brief for Texas residential remodelers (5,912 active Texas establishments across 131 counties). We compare 30+ TDI-admitted and specialty commercial carriers for remodeling contractors with fast Certificate of Insurance (COI) turnaround.
Texas Remodeling Contractors Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 236118 — Residential Remodelers
- NCCI Workers' Comp Codes
- 5645 (Carpentry Residential), 5437 (Finish Carpentry / Cabinets)
- ISO GL / Coverage Form
- 91581 (Remodeling — Interior), 91340 (Carpentry)
- Texas Regulator / Spec
- Texas Property Code Ch. 27 & EPA RRP Lead-Safe Rule (pre-1978 homes)
Remodelers disturbing >6 sq ft of interior paint in pre-1978 Texas homes must hold EPA Lead-Safe RRP certification; structural additions require municipal permit COIs.
Where Remodeling Contractors Cluster in Texas
- Harris: 887 firms (15.0% of TX) • 3,494 employees
- Dallas: 575 firms (9.7% of TX) • 2,944 employees
- Tarrant: 475 firms (8.0% of TX) • 2,063 employees
Primary Loss Exposures
- Damage to the homeowner's existing structure during structural load-bearing beam swaps.
- Water supply line ruptures during kitchen/bath gut jobs while the family is living onsite.
- Theft of custom cabinetry, appliances, and tile staged in the garage or driveway.
Key Endorsements We Verify
- Installation Floater for uninstalled cabinets, quartz slabs, and plumbing fixtures
- Existing-Structure coverage on Builders Risk for whole-home renovations
- Limited Pollution / Lead-Safe endorsement for pre-1978 Texas neighborhoods
Remodeling Contractors Insurance FAQs
Does my GL cover the homeowner's existing house if my crew damages a load-bearing wall?
Standard GL can restrict 'care, custody, or control' on the exact item you're working on; a Remodelers Builders Risk with Existing Structure endorsement closes this gap.
Are uninstalled cabinets and appliances covered in my warehouse or van?
Only with an Inland Marine Installation Floater covering materials in transit and temporary storage.
Do Texas handymen and small remodelers need General Liability?
Yes—one broken PEX line behind a shower wall can easily exceed $40,000 in flooring and mold remediation.
Can I add Workers' Comp just for my W-2 lead carpenter?
Yes, Texas Workers' Comp policies can cover W-2 employees while tracking insured 1099 specialty subs separately.