Insurance for Drywall and Insulation Contractors

 As a contractor, you know that insurance is important. It protects you, your employees, and your business in the event of an accident, injury, or property damage. But did you know that there are specific types of insurance that drywall and insulation contractors need? By making sure you’re properly insured, you can help reduce the financial risks associated with running your business. Here, Business Insurance professionals explain why insurance is vital for contractors in these two industries and what types of coverage you should consider.

What Every Drywall and Insulation Contractor Needs to Know About Insurance

As a drywall or insulation contractor, you know that your work comes with a unique set of risks. From falls to damaged property, there’s a lot that can go wrong on the job. That’s why it’s so important to have the right insurance in place to protect yourself, your crew, and your business. Every situation and insurance need is different but the following are some of the types of insurance coverage insulation and drywall contractors typically need. 

Contractor General Liability Insurance

General liability insurance for construction projects is one of the most important types of insurance for drywall and insulation contractors. This policy will protect you from a variety of risks while you’re on a work site, including third-party bodily injury, third-party property damage, and product liability. If you’re found legally liable for any of these calamities, your general liability policy will pay for damages up to the policy limit. You can also purchase a commercial umbrella policy to provide additional protection above and beyond your general liability policy.

Commercial Auto Insurance for Drywall Contractors

If you or your employees use any type of vehicle for business purposes, it’s a wise choice to get commercial auto insurance. This type of insurance will cover damages caused by an accident, as well as any injuries sustained by yourself or your passengers. It’s important to note that personal auto insurance policies typically exclude coverage for any business use, so don’t make the mistake of thinking your personal policy will suffice. 

Contractor Commercial Property Insurance

If you own your own office or warehouse space, you’ll need to insure it with a commercial property policy. This policy will cover the structure itself, as well as any contents inside (such as office furniture, tools, equipment, and so on). If your property is damaged or destroyed by a covered peril like a fire, storm, or theft, your commercial property policy will reimburse you for the cost of repairs or replacement.

Workers’ Compensation Insurance for Handyman & Drywall Contractor

If you have employees, in most states, you’re required by law to carry workers’ comp insurance for contractors. Workers’ compensation benefits can cover medical expenses, lost wages, or even death benefits if an employee is injured on the job. In some cases, workers’ compensation insurance can also help cover the cost of retraining an employee who is unable to return to their previous job due to their injuries.

Best Construction Insurance Companies 

As a drywall or insulation contractor, it’s important to have the right insurance in place before starting your next project. Not sure what you need? Just call the Business Insurance Center. We have decades of experience in building contractor insurance across the United States and we can customize an affordable insurance policy for contractors that leaves no dangerous gaps. Take the first step in protecting yourself, your employees, and your business from a variety of risks today! Call or click for a free quote


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*Disclaimer: Insurance products are subject to terms and conditions, as well as exclusions that we cannot define on our website and blog. The content published here is only intended to provide you with an overview and general information about policies and products in the insurance industry. YOUR policy will carry details of the specific coverages, terms, conditions, limitations, exclusions. These will be governed by the underwriting guidelines applicable in your state.

If any policy provision is in conflict with the information provide on our website, blog or by any of our agents, kindly note that the policy language is controlling and supersedes all other sources. For more information, please contact your local office of The Nowell Agency.

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