Running a stucco business isn’t just about delivering flawless finishes and smooth surfaces—it’s about protecting yourself from the risks that come with the job. Whether it’s property damage, accidents, or legal disputes, working without proper business insurance can put your business (and your personal assets) at serious risk. Stucco contractor insurance is designed to cover these potential headaches, so you can focus on what you do best.
General liability (GL) insurance is your go-to for covering third-party claims that might come your way. This could include property damage, bodily injury, or even personal injury claims.
💡 If you're working on a client’s property and accidentally cause damage, or if someone gets hurt while you're on the job, GL insurance steps in to handle the costs.
In the stucco business, you’re hauling around more than just a few buckets of plaster. Your equipment and tools are the heart of your operation, and BPP insurance makes sure that stuff is covered. Whether your tools are damaged in a fire, stolen from a job site, or ruined in transit, this type of property insurance steps in to help you get back on your feet.
Claim Example: Imagine you're storing your stucco equipment in a rented warehouse when a fire breaks out. The fire damages several of your most expensive tools, from scaffolding to sprayers. With BPP coverage, you file a claim, get funds to replace the damaged items, and continue working without a huge financial hit.
Stucco work isn’t exactly desk work. From mixing cement to climbing ladders, there’s always a chance for accidents. That’s where workers' compensation insurance comes in. If one of your employees gets injured on the job, this coverage handles their medical bills and lost wages. Plus, it’s required in most states, so it’s not something you can afford to skip.
Claim Example: One of your workers slips while working on a second-story stucco application and hurts their back. They’ll need medical treatment and some time off work to recover. Workers' compensation covers the hospital bills and provides wage replacement while they heal, which also protects you from a potential lawsuit.
Depending on your specific business, you may need a few extra coverages to really protect yourself:
Commercial Auto Insurance: If you or your employees drive company trucks or vans, this insurance covers accidents, damages, and liability issues that can happen on the road.
Contractor’s Equipment Insurance: You’re using some serious tools out there—this coverage helps protect all that equipment if it gets stolen, damaged, or lost.
Professional Liability Insurance: Also known as Errors & Omissions (E&O) insurance, this protects you if a client claims that your stucco work wasn’t up to par or caused them a financial loss.
USA Business Insurance stands out for reliability and expertise. With over 15 years of experience, they offer policies from 240+ carriers to match your business’s unique needs.
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