Drywall Contractor Insurance

small business owner protected by drywall contractor insurance

Drywall Contractor Insurance Built for Your Business

Your drywall work is rock solid, but do you have a backup plan to deal with challenges? From jobsite accidents to stolen equipment, you face risks that can stop your operations. Drywall contractor insurance can help protect your business, so you can focus on your clients.
 
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small business owner protected by drywall contractor insurance

What Is Drywall Contractor Insurance?

Drywall contractor insurance is another name for small business insurance. It’s a package of business insurance coverages designed to help protect independent contractors and small businesses in the drywall industry. Also known as drywaller insurance or contractor liability insurance, this coverage helps protect you from risks like:
 
  • Bodily injury
  • Property damage
  • Equipment theft
  • Jobsite accidents
Common types of coverage that can be part of an insurance package include:
 
  • Business Owner’s Policy (BOP)
  • Commercial auto insurance
  • Workers’ compensation insurance

Why Do You Need Drywall Contractor Insurance?

As a drywall contractor, your work involves tough physical labor and using specialty tools. Even the best contractors face risks on the job, and without insurance, the costs of a single claim could be financially devastating.
 
Drywall contractor insurance can help protect you from the unique risks that come with:
 
  • Managing access to client properties
  • Transporting, storing and installing drywall
  • Working on ladders and scaffolding
  • Operating specialty tools and equipment
Insurance can help safeguard your business, so you can stay focused on your craft and have peace of mind knowing you’re protected from unexpected setbacks.
small business owner protected by knowing who needs drywal contractor insurance

Who Needs Drywall Contractor Insurance?

We designed our business insurance coverage with drywall professionals in mind. Our coverage can help protect:
 
  • Residential drywall contractors
  • Commercial drywall contractors
  • Drywall installation businesses
  • Drywall repair specialists
  • Remodeling and renovation contractors
  • Framing and drywall companies

What Type of Insurance Do I Need as a Drywall Contractor?

Many drywall installers have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect you from claims of bodily injury or property damage. It can also protect your company’s equipment from damage and theft.
 
A BOP includes:
 
General liability to help protect your drywall contracting business from claims that it caused bodily injury or property damage to someone else’s belongings.
 
Commercial property insurance to help protect the owned or rented building you operate your drywall business from, as well as the tools, equipment, inventory and supplies that you rely on to operate. This may include:
 
  • Personal safety gear
  • Work lights and generators
  • Dust control systems and barriers
  • Power tools and air compressors
  • Ladders and scaffolding
Business income insurance to help replace lost income if you can’t operate your drywalling business because of covered property damaged by vandalism, theft, leaky pipes, fires or windstorms.
 
At The Hartford, we know no two drywallers have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, such as:
 
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How Much Does Drywall Contractor Insurance Cost? 

Drywaller insurance costs vary. Some of the average costs The Hartford’s small business customers in the construction industry pay are:1
 
  • BOP: $2,061 a year, or about $172 a month
  • Stand-alone general liability insurance: $1,351 a year, or about $113 a month
  • Workers’ compensation insurance: $2,645 a year, or about $220 a month
It’s important to remember that the cost of your drywall contractor insurance may be different than the average. That’s because every contractor has unique needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
small business protected by drywall contractors insurance

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Covering Your Operations

As a drywall contractor, you take pride in delivering high-quality work, but unexpected setbacks can disrupt even the best-planned projects. Whether it’s damage to your equipment, a jobsite injury or another unforeseen issue, the right insurance can help keep you on track.
About 1 in 10 small businesses experience losses from a natural disaster every year.2
general liability insurance for drywall contractors

General Liability Insurance

“An electrician working at our customer’s home tripped over some tools in our work area and broke his leg. He sued my business to pay for his medical expenses.”
 
General liability insurance helps cover claims that your drywall installation business hurt somebody else. It can help cover their medical bills or your legal costs if you get sued.
business income insurance for drywall contractors

Business Income Insurance

“A fire tore through part of our storage building, and we lost thousands of dollars’ worth of sheetrock.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate because of property damage from fire, theft, wind or vandalism.

Taking Care of Your Team

From handling materials, prepping jobsites and keeping projects moving, your team is the backbone of your drywall business. What would happen to them if they got hurt on the job? As a drywall contractor, insurance coverage can help protect your employees and give them peace of mind.
Construction workers face a higher rate of nonfatal falls, slips or trips than other types of workers.3
workers' comp for drywall contractors

Workers’ Compensation Insurance

“One of my workers was putting mud on drywall when she moved her body in a funny way and hurt her back. She had to take a few days off and started going to physical therapy to get better.”
 
Workers’ compensation insurance gives your employees benefits if they have a work-related injury or illness. It can help pay for their medical bills and replace lost wages if they miss work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto insurance for drywall contractors

Commercial Auto Insurance

“One of our guys got into an accident with our truck on the way to a jobsite. The truck needed body work, and he had to go to the hospital and take some time off.”
 
Commercial auto insurance can help protect you and your team on the road when you’re driving a business-owned vehicle for work.

Protecting Your Property

From generators and lights to ladders and drywall stilts, your specialty equipment is vital to your business. If things go missing or get damaged, replacing them can be costly. Insurance can help protect your bottom line by covering your property from accidents and more.
Construction site theft leads to an estimated yearly loss of more than $1 billion in tools and equipment.4
commercial property insurance for drywall contractors

Commercial Property Insurance

“A storm hit, and by the next morning, our roof was leaking. The repairs weren’t cheap and replacing our damaged tools cost even more.”
 
Commercial property insurance helps protect your equipment, supplies and inventory from loss or damage caused by windstorms, rain, leaky pipes and fires.
Contractors’ Equipment Insurance for drywall contractors

Contractors’ Equipment Insurance

“We showed up to a jobsite one morning and realized a bunch of our ladders and screw guns had been stolen. It set our schedule back by weeks.”
 
Contractors equipment insurance is designed to cover damaged or missing contracting equipment. It helps cover losses due to theft and can help pay the costs to expedite a project that is off schedule due to a covered loss.

Frequently Asked Questions About Drywall Contractor Insurance

Drywall contractor insurance is a collection of coverages to help protect your business from various risks. The right type of insurance can help safeguard the investment you’ve made in the vehicles and equipment you rely on daily, such as drywall lifts, panel hoists and taping tools.
Your business needs insurance to help cover the costs associated with property damage, stolen equipment or liability claims from a customer injury. Without drywall contractor insurance, you’d be responsible for covering these costs out of pocket, which could be expensive. Additionally, some states require drywall contractors to carry specific types of insurance, such as workers’ compensation or general liability coverage, to stay compliant.
The best way to get drywaller insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote using our online tool.
business owner works worry-free after getting a drywall contractor insurance quote

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Get the coverage your drywall business needs to tackle every project with confidence.
 
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Related Articles

 
 
Last Updated: September 24, 2025
 
1 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 12/1/23 and 11/30/24 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
 
2 Fed Small Business, “The Impact of Natural Disasters on Small Businesses”
 
3 U.S. Bureau of Labor Statistics, “Spotlight on Statistics, Workplace Injuries and Job Requirements for Construction Laborers”
 
4 Construction Dive, “Guarding Your Assets: The Rising Stakes of Construction Site Security”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
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