Drywall Contractor’s Insurance

Why do I need Drywall Contractor’s Insurance?

• Protection for property, tool, supply and equipment losses due to fire, vandalism, theft and more
• Protection for equipment breakdowns
• Protection for liability losses due to injury or third-party property damage
• Protection for errors and omissions
• Protection for loss of income due to business interruption and more
• Protection for automobile losses due to accidents and vandalism
• Protection for cyber losses due to data loss, credit card breach and other digital threats

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Drywall Contractor’s face unique risks

As a drywall contractor the risks you face are unique to you and your insurance should reflect that. Drywall Contractor’s Insurance will provide coverage for anything from property damage and injury to theft of tools or damaged product.

Property Exposures:

• Property hazards to the plasterer are usually light. Even if supplies are kept at the contractor’s location, most are not flammable or combustible, nor are they normally considered target theft items.

Inland Marine Exposures:

• Inland marine exposures include contractor’s equipment and goods in transit. The contractor’s equipment will include employees’ tools, ladders and often scaffolding. There may be equipment rented, leased or borrowed for unusual jobs. The insured may even own special equipment that is leased, rented or loaned to others when not needed by the insured.
• Goods in transit will consist of product purchased by the customer for installation at the job site. The exposure is very light due to limited theft or damage.

Occupier’s Liability Exposure

• Occupiers’ Liability is a concern at the job site. Contractors can damage customer’s premises removing old ceiling and wall coverings, as well as cause other damage and injury if tools or supplies are dropped from ladders and scaffolding.

Environmental Impairment Liability Exposures

• Environmental concerns need evaluation from the disposal of waste and the old debris that has been removed from the structure. Proper procedures and disposal need to be in place when asbestos and other hazardous items are encountered in existing structures.

Completed Operations

• Completed operations exposures can occur if coverings installed are for waterproofing and fireproofing.

Automobile Exposures

• Automobile liability depends on the radius of operation. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider.

Workplace Safety Exposures

• Workers safety exposure is to dust and cuts. Plasters and finishes have dust. Drywall and wallboard need to be cut to size, which poses injuries from cuts and dust as a by-product of the cutting, trimming, and mixing operation. Eye and lung irritations are important considerations.
• Any time work is done off the ground on ladders and scaffolds, there is a potential for injury from falling or being struck by falling objects.

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Drywall Contractors we cover include:

• Self-Employed Drywall Contractors
• Commercial Drywall Contractors
• Home/Residential Drywall Contractors