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Drywall Contractor Insurance

Running a drywall business? You already know that accidents happen, no matter how skilled your team is. That's where drywall contractor insurance comes in. This insurance covers a range of risks specific to your trade, like property damage, injury to others, and even employee accidents. Without it, you could be left facing hefty bills from lawsuits or damages—definitely not ideal when you’re trying to run a business.

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General Liability
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BOP
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Auto Insurance
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Workers Compensation
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Tools Coverage

General Liability (GL) for Drywall Contractors

General Liability insurance (GL) is a must for any drywall contractor. It protects you from claims related to property damage, bodily injury, and other potential risks that could arise while you're working on a job site.

Claim Example: A drywall contractor was installing drywall at a client's home. While working, one of the workers accidentally knocked over a ladder, causing damage to a window. The client sued the contractor for the repair costs. The contractor's general liability insurance covered the claim, paying for the window repair and avoiding out-of-pocket expenses for the business owner.

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BPP Coverage for Drywall Contractors

Business Personal Property (BPP) insurance is essential if you own equipment, tools, or materials for your drywall business. This coverage protects things like drywall sheets, power tools, and other equipment you store at your shop or bring to job sites. Whether it’s theft, fire, or other damage, BPP insurance ensures you’re not left in the lurch when expensive gear is lost or damaged.

Claim Example: A drywall contractor’s warehouse caught fire, damaging drywall materials, ladders, and power tools. The contractor filed a claim under their Business Personal Property insurance, which covered the cost of replacing the damaged items. Thanks to the insurance payout, they were able to replace the tools quickly and keep the business running smoothly without a major financial hit.

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Workers' Compensation for Drywall Contractors

Workers’ compensation is another key policy for drywall contractors. It covers medical expenses and lost wages if an employee gets injured on the job. Most states require this coverage, and it’s a smart way to protect both your workers and your business from financial strain.

Claim Example: One of your workers was installing drywall on a ceiling when they slipped off a ladder and injured their shoulder. Workers' compensation stepped in to cover the medical bills and wages the worker lost while recovering. Without it, your business could’ve faced serious costs and possible legal trouble.

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What Else Do Drywall Contractors Need

In addition to general liability, BPP, and workers’ comp, there are a few other types of insurance that drywall contractors should consider:

  • Commercial Auto Insurance: If your business uses trucks or vans to transport drywall or equipment, you’ll want this to cover accidents or damage to your vehicles.
  • Tools & Equipment Insurance: A more specific form of coverage for the tools you carry with you to job sites, protecting against theft or damage while on the go.

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Why Choose USA Insurance

Partner with USA Business Insurance for comprehensive, reliable coverage that puts your business first. With over 20 years of experience and access to over 200 carriers, we ensure your drywall business gets the coverage it needs, no matter the size or scope of your projects.

  • Nationwide licensing for fast policy turnarounds
  • Tailored coverage for drywall contractors and related trades
  • Swift claims handling and flexible payment options
  • Proactive renewal process to secure the best rates for your business
  • Competitive, affordable plans for contractors in construction and more

Let us protect your business like it’s our own. Reach out today!

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Drywall Contractor Business Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

Why Do Drywall Contractors Need Insurance?

Drywall contractors face many risks every time they go to work. Without insurance, a drywall contractor might have to pay for losses on their own. Financial hardships and even bankruptcy can result. By getting the right insurance in place, drywall contractors get the financial protection that kicks in when a loss occurs, transferring the risk to the insurance company.

What Are The Risks Facing Drywall Contractors?

You are constantly around tools and equipment that can cause injury or property damage to others when working in the construction industry. Also, any workers that you have can get hurt on the job. Even the safest job sites around have everyday risks that can lead to significant losses.

Is Insurance Required For Drywall Contractors?

Insurance is sometimes required for drywall contractors. Depending on your location, some states or municipalities require a bond or general liability insurance contract for tradesmen to get a business license. If you lease space, the landlord may also require general liability insurance.

If you have employees, you’re required to get workers’ compensation in most states. Your work truck will need commercial auto insurance for proper registration. As your business grows, you may find that some customers or big contracts require certain types of insurance to bid for the job.

How To Get Drywall Contractor Insurance ?

To get drywall contractor insurance, determine what your needs are. Talk to an insurance agent about your business. By working with an agent, you will identify which policies you need. You can review the risks of your business and establish the right coverage limits for both liability and commercial property.

The agent will be able to give you a quote. You can play with the deductible on the quote to see how you can save money on the premium costs. If you shop around for insurance, make sure that you compare quotes with the same coverage limits. If not, you could be getting a better price with lesser protection.

 

Are Monthly Payments Available For Drywall Contractors?

We offer easy monthly payment plans with most of the polices. Usually a down payment is required to start. Payment plans may include 9 or 10 monthly options depending on the qualifying business.

What Are The Penalties To Cancel My Insurance Policy ?

USA Business Insurance Services doesn’t penalize customers for policy cancellations. When you cancel your Insurance, you are not required to pay penalties.

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