Drywall Contractor Insurance
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Why do drywall contractors need insurance?
Drywall contractors are an essential part of the U.S. construction industry. By installing walls and ceilings, you help transform frame skeletons into the homes, businesses, schools, and other buildings that keep people safe and sheltered. But have you thought about protecting yourself?
When you start a small drywall business, insurance might be the last thing on your mind. However, by not considering drywall business insurance, you may be opening yourself up to financial risk. A claim or lawsuit triggered by a simple accident could leave you with expensive legal bills and other unplanned costs.
That’s where drywall contractor insurance can help. The different types of coverage available to drywall contractors could help shield your bank accounts if a claim is made against you and your business.
Customized business insurance for drywall contractors
There are different types of liability insurance for drywall contractors that you might consider for your small business. The policies you choose will depend on your business needs.
Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.
Anything can happen on a construction site. An innocent accident, like bumping into a ladder or leaving your toolbox in the wrong place, could cause trouble for your drywall business. If your actions injure someone else or damage their property, you might be stuck with a huge bill trying to set things right.
General Liability insurance helps keep compensation claims and lawsuits from draining your bank accounts. Your policy pays costs associated with covered claims, such as:
- Your legal defense costs (like hiring an attorney or paying court fees)
- Medical bills for the injured party
- Repair or replacement costs
Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.
If you directly employ other contractors or office staff to help run your business, you may be required to have a Workers’ Compensation policy. Check your state or local government website to understand the workers’ comp laws in your area and when insurance is mandatory.
What does drywall contractor insurance cover?
Drywall contractor insurance can help you protect your business and personal finances. Without it, you could be solely responsible for setting things right—at great personal expense. If the bill is high enough, you might find it impossible to keep your drywall business running.
The coverage options you choose may cover the costs of many everyday risks that could put your business in danger. These may include:
- Third-party bodily injury claims (covered by General Liability insurance)
- Third-party claims of property damage (covered by General Liability insurance)
- Workplace injuries, illness, and death (covered by Workers’ Compensation insurance)
As you start your small drywall business, consider how unexpected expenses might impact your ability to do business. This may help you decide what types of coverage will fit your business needs.
How much does drywall contractor insurance cost?
Every drywall installer is unique, and so are their businesses. The amount you pay for insurance may vary from other drywall contractors in your area.
Factors that may be used to calculate your drywall contractor insurance premiums include (but are not limited to):
- Where your business is located/the geographic area where you work
- The size of your business (annual revenue)
- The number of employees you have
- The amount of coverage you choose
- Your claims history
Looking for an easy way to understand your drywall business insurance costs? Comparing multiple quotes from different insurers is one way to do this.
Save time and money with BizInsure for drywall contractor insurance
Becoming a drywall contractor is an exciting step in your small business journey. BizInsure is here to help you protect the success you are building.
BizInsure makes it easy to compare multiple quotes and find the best coverage to suit your drywall business needs.
- Complete a simple online application – usually just 10 questions or less!
- Compare quotes from top-rated insurers and see how much you could save.
- Buy your policies and get instant coverage – policy documents are sent directly to your inbox.
Switch and save on liability insurance for drywall contractors with BizInsure. Compare multiple quotes online and start protecting your drywall business today!
Frequently Asked Questions
How can I get a certificate of insurance?
With BizInsure, your certificate of insurance is sent directly to your inbox. You can also request additional or updated copies at any time.
Does drywall insurance cover injuries to my staff?
A Workers’ Compensation policy will cover workplace injuries suffered by your staff. This may be a mandatory type of drywall business insurance, depending on the state(s) you work in and how your business is set up.
Contact your state or local government for more information on workers’ comp laws in your area.
The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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