Some people get into this business just because they did a great job installing their own wallpaper. Or maybe they helped redecorate a family or friend's home, and discovered they loved the wallpaper part. Others may have just been a contractor's apprentice and discovered this little section of the job was the one they do best. No matter how you got started though, wallpaper installer business insurance is meant for you. You work with the utmost precision and patience, but accidents and surprise events can still happen. And when they do, you need to be prepared.
General liability helps cover the everyday risks that come with wallpaper installation—bodily injuries, property damage, and legal trouble from a client claim. Say you're trimming paper in a client’s living room and knock over an antique vase. That’s a costly oops.
Example: You’re working on a ceiling mural in a boutique hotel lobby. Your ladder tips and damages a chandelier. The hotel files a claim for repair costs and lost income. This coverage helps take care of that.
This policy covers third-party injury claims and property damage tied to your work. It includes medical expense coverage and helps with legal defense if someone sues. If the court rules against you, your policy can pay up to the coverage limits.
A BOP bundles general liability with commercial property coverage. If you keep supplies, specialty adhesives, or equipment in a studio or shop, this is for you. It also includes business interruption coverage—handy if you’re forced to pause operations due to a fire or other disaster.
Example: A fire breaks out in the building where your workspace is located. Your wallpaper rolls, glues, and cutting tables are damaged. This policy helps replace them and covers lost income while you’re getting back on your feet.
If you’re hauling rolls of wallpaper, tools, and ladders to job sites, your van or work vehicle isn’t just transportation—it’s part of your business. Personal auto insurance doesn’t cover you here.
Example: You rear-end another vehicle while rushing to a client meeting. There’s damage to both vehicles and someone’s injured. This coverage helps pay for vehicle repairs and medical expenses.
Sometimes, claims blow past your policy limits—especially if someone sues for major damages. Excess liability (also called umbrella insurance) gives you extra coverage when your general liability runs out.
Example: A commercial client claims that your wall prep work led to mold buildup. They sue for extensive remediation costs and business interruption. Your general liability maxes out, and excess liability helps cover the rest.
You rely on your gear—seam rollers, laser levels, pasting machines, sprayers. If it gets stolen from your van or damaged at a job site, tools coverage steps in.
Example: Your work van is broken into overnight. Thousands of dollars' worth of tools are stolen. This coverage helps replace them so you don’t lose out on jobs.
This is about the “you didn’t do it right” type of claim. If a client says you botched the job—maybe the seams aren’t aligned or high-end wallpaper was ruined—this policy helps cover claims tied to professional mistakes.
Example: A client hires you to install expensive imported wallpaper in a designer showroom. They say your installation caused bubbles and tears, and they want a full refund plus the cost to redo it. This policy helps defend you and cover those damages.
If you’ve got employees—even one—you’ll likely need workers comp. It covers workplace injuries, medical treatment, and lost wages.
Example: Your assistant falls from a ladder while installing wallpaper in a stairwell. She breaks her wrist and needs time off. This coverage pays her medical bills and a portion of her lost wages.
USA Insurance in Burbank, CA, has been protecting small businesses for nearly 20 years. We're licensed nationwide and know what wallpaper installers face on the job. When you call us, you're speaking with someone who gets it.
(888) 900 0205