The Hartford doesn’t offer plasterers insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Plasterer Insurance?
Plasterers insurance is a package of different types of business insurance coverages designed to help protect you while you work with heavy materials and sharp tools in unpredictable environments. Also known as stucco contractor insurance, this collection of coverages can offer peace of mind to contractors and specialty craftsmen.
A plasterer insurance package can include these common types of coverages:
- Workers’ compensation insurance
- Commercial property insurance
- Business Owner’s Policy (BOP)
- Commercial auto insurance
Why Might You Need Plasterers Insurance?
As a plasterer, insurance coverage can help protect you from the unique risks you might face during normal operations. Whether it’s a scratched floor in a client’s home or an employee getting hurt at a jobsite, the right type of insurance coverage can help you manage everyday challenges that could lead to financial setbacks. Without coverage, you may have to pay out of pocket for costly claims.
Plasterers insurance can help protect your business from many potential risks, like:
- Bodily Injury: A client slips in your work area and gets hurt because of improper cleanup.
- Equipment Theft: Your tools are stolen from a jobsite overnight, and you need to replace them quickly or rent temporary tools to stay on schedule.
- Property Damage: You accidentally damage a client's floors while removing old plaster, leading to costly repairs.
Who May Need Plasterers Insurance?
Many types of plasterers can benefit from having insurance coverage, including:
- Residential plastering contractors
- Commercial plastering companies
- Stucco and exterior plaster contractors
- Decorative plaster specialists
- Plaster repair services
What Plasterers Insurance Coverages Might I Need?
When it comes to protecting your plastering business, you’ll want protection that matches your potential risks. Most plasterers start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from the everyday risks you face on the job:
General liability insurance helps protect your plastering business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, inventory, equipment and supplies you rely on. These can include your:
- Ladders
- Trowels
- Hawks
- Mixing buckets
- Scarifier
- Joint knives
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind, theft or vandalism.
It’s important to know that a BOP won’t cover every kind of claim you may face as a plasterer. You’ll need other types of insurance to have well-rounded protection, including:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness.
Commercial auto insurance to help cover claims of bodily injury or property damage from a car accident that your business causes while you or an employee uses a company-owned vehicle for work.
How Much Does Plasterers Insurance Cost?
Although The Hartford doesn’t offer coverage for plasterers, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of plastering insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific plastering business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“My client tripped over scaffolding and tarps my team set up outside. He had to go to urgent care for treatment.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Installation Insurance
“A storm knocked over our scaffolding and completely destroyed it.”
Installation insurance helps cover personal property that is installed, fabricated or erected by a contractor. This includes installation-related equipment, materials and temporary structures, such as scaffolding and construction signs.
Workers’ Compensation Insurance
“My stucco mason fell off a ladder and broke his ankle. He had to go to the hospital to get surgery and needed to take weeks off from work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Employment Practices Liability Insurance
“My manager had to let a worker go for constantly showing up late. The former employee sued my manager and my business for discrimination.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Commercial Property Insurance
“A fire in our warehouse spread so quickly that it destroyed our inventory, supplies and a number of tools we needed for an upcoming work order.”
Commercial property insurance hhelps protect the tools, equipment and supplies you rely on as a plasterer. It can also help cover your costs to repair or replace property.
Contractors Equipment Insurance
“Someone swiped our gear bags from a jobsite. We suddenly had to pause the work, which delayed our customer’s timeline.”
Contractors equipment insurance is designed to help cover damaged or missing contracting equipment. It can help pay to remove debris and clean up after an accident. It can also help cover losses from theft and the costs to expedite a project that is off schedule due to a covered loss.
Get a Quote for Plasterers Insurance Solutions
With the right insurance, you can focus on smooth finishes. Get a free online quote today through Tivly.
Last Updated: April 27, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” viewed April 2026.
4 National Fire Prevention Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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