You do the precise work: storefront glass, custom cabinetry, finish carpentry, tile, fire protection, insulation. Your insurance should be put together just as carefully.
Glass, specialty trade & remodel contractors insurance with your business in mind.
MJH Insurance helps specialty trade contractors around Gardner, Olathe, Johnson County, and the Kansas City metro put together a full account that fits how they work and what their GCs and clients require.
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Who this page is for.
- Glass & glazing: storefronts, curtain wall, commercial doors, shower enclosures, mirrors, residential replacement
- Specialty interior trades: drywall and acoustical, painting, flooring and tile, cabinetry and millwork, finish carpentry, countertops, insulation
- Specialty systems: fire protection and sprinkler, low-voltage and security, overhead doors, signage installation (ground-level and low-height work)
- Artisan remodel & light commercial: kitchen and bath remodelers, tenant-finish and office build-out contractors who self-perform a meaningful share of the work
What specialty contractors run into.
- Expensive materials that break: Glass, stone countertops, and custom millwork are costly, fragile, and often made to order. Damage in transit or before installation can wipe out a job’s margin. Ask us about inland marine and installation floater options for materials in transit and awaiting installation; what’s covered depends on the policy.
- Working inside finished spaces: Remodel and tenant-finish work often happens in occupied homes and businesses, so damage to the customer’s existing property is a real exposure. How your general liability responds depends on the policy and the facts.
- Subcontractor management: If you hire subs, many insurers expect you to collect their certificates, require them to name you as additional insured, and have written agreements. Depending on your policy, payroll for uninsured subs may be picked up on your workers’ comp and general liability audits.
- GC requirements on smaller trades: Even a three-person trim crew on a commercial job will likely be asked for additional insured status, waiver of subrogation, primary/non-contributory wording, and umbrella limits.
- Height and access: Glaziers, sign installers, and drywall crews work on lifts and scaffolding. That affects workers’ comp classification and safety expectations.
- Homeowner contracts: For residential remodelers, clear written contracts, change orders, and lien-waiver practices can help cut down on disputes. Talk to your attorney about contract terms.
Coverages to review.
General educational descriptions. Coverage depends on your policy and underwriting.
- General liability: third-party injury and property damage, including completed operations, subject to policy terms. Endorsements for GC jobs (additional insured, waiver, primary/non-contributory).
- Commercial auto: glass racks, box trucks, trailers, vans. Ask us how racks and permanently attached equipment should be listed on your policy.
- Umbrella / excess: additional limits to help meet GC and owner contract requirements.
- Workers’ compensation: correct class codes for each type of work, and tracking certificates from any subs you use.
- Inland marine: tools and equipment, plus materials in transit and an installation floater for materials before final acceptance.
- Builders risk: usually bought by the owner or GC on larger projects. On remodels, confirm who’s responsible for the structure and materials under the contract.
- Property / BOP: shop, fabrication equipment, and stored inventory (glass stock, slabs, millwork).
- Bonds: license/permit bonds and project bonds when required. We work with surety partners to help you apply. Approval is up to the surety.
Certificates without the scramble.
Specialty trades often get the certificate request last and need it first. We help by:
- Reviewing GC insurance requirements before you sign and pointing out what your policy appears to include and what it doesn’t. (We review insurance requirements, not legal terms.)
- Setting up common endorsements ahead of time where your insurer offers them, such as blanket additional insured and blanket waiver of subrogation.
- Turning certificate requests around: same business day for requests received by 2 p.m. CT on a business day.
Send requests through our certificate request form, email , or call .
Local contractors, local agency.
MJH Insurance is at 345 N Moonlight Rd, Gardner, KS. We work with specialty and remodel contractors across Olathe, Overland Park, Leawood, Lenexa, Shawnee, Spring Hill, Edgerton, De Soto, and the Kansas City metro, from custom-home remodels in south Johnson County to tenant finish in new commercial space along the I-35 corridor.
Mechanical, HVAC, plumbing, or electrical? See MEP contractor insurance, or go back to contractor insurance.
Frequently Asked Questions
Is the glass I'm transporting covered by my auto policy?
Commercial auto policies generally focus on the vehicle and liability, not cargo or materials. Materials in transit are often addressed with inland marine coverage. Coverage depends on your specific policies, so review them with us.
I'm a remodeler. Do I need builders risk?
It depends on the project and your contract. On many remodels, the homeowner’s property policy may or may not respond to work in progress. Confirm responsibilities with the owner and with us before the job starts.
My subs say they're insured. Is that enough?
Get a current certificate of insurance from each sub, ideally showing you as additional insured, and keep it on file. Depending on your policy, missing sub certificates can lead to additional premium at audit.
I'm a small crew. Will GCs really ask for umbrella limits?
Many do, especially on commercial projects. Requirements vary by GC and project. Send us the requirement sheet and we’ll compare it to your policies.
Let’s make sure your coverage fits your trade.
Send us your dec pages and one recent GC insurance requirement sheet or remodel contract. We’ll review it with you.
Request a commercial coverage review.
Call
Talk with Sean Halpin:
· · 345 N Moonlight Rd, Gardner, KS 66030
Coverage descriptions on this page are general information only, not a statement of coverage or legal advice. Coverage depends on your policy, including its terms, conditions, exclusions, and endorsements, and is subject to underwriting approval.
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As an independent agency, we are here to help you find the right Glass & Specialty Contractor Insurance coverage.
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As an independent agency, we are here to help you find the right coverage.
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