Drywall Contractors Insurance

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Quick answer: Drywall contractors usually need general liability with completed operations, workers' compensation, commercial auto and tool coverage. General contractors and builders often require additional insured, primary and noncontributory and waiver of subrogation wording, and residential new construction can bring construction defect exclusions you should read carefully.

Lions & Coventry Insurance Services, established in 2009 and licensed in all 50 states (CA Lic. #0G22084), places drywall contractors insurance nationwide. We work with hang-and-finish crews, metal stud framing and drywall contractors, acoustical ceiling installers and texture and patch specialists.

Coverages drywall contractors usually need

General liability with completed operations, for claims that come after your work is finished, such as cracking, moisture damage or a ceiling failure.
Workers' compensation for falls from stilts, ladders and scaffolds, back injuries from lifting board and cuts. Carriers will ask how you pay crews, so keep payroll records clean.
Commercial auto for trucks that haul board, mud and tools.
Tools and equipment (inland marine) for drywall lifts, automatic taping tools, sprayers and scaffolding.
Commercial umbrella when builders or commercial contracts require higher limits than your primary policy carries.

Residential construction and wrap-up programs

Drywall subcontractors on tract housing and multifamily projects often run into construction defect claims, and some policies limit or exclude residential new construction work. Large projects may also be insured under an owner- or contractor-controlled insurance program (OCIP or CCIP, often called a wrap-up), which covers on-site work but not your other jobs. Tell us which projects are under a wrap-up so your own policy is rated and endorsed correctly.

Subcontracted crews and audits

Many drywall companies hire hang or finish crews as subcontractors. If those crews don't carry their own workers' compensation and general liability, your carrier may charge for them at audit. Collect a current certificate from every crew before they start.

Need a certificate for a drywall contract? See same-day certificates and additional insured endorsements.

What drives your premium

We don't publish prices because every quote depends on underwriting. These are the main factors carriers weigh:

Hang, tape, finish, framing and ceiling work
Residential, multifamily or commercial projects, and any wrap-up work
Payroll and subcontractor costs, and whether subcontractors are insured
Claims history, including any construction defect claims
Limits and endorsements your contracts require

We quote nationwide. Request a quote or call (916) 967-7715.

How to get a drywall contractors insurance quote

Five steps to prepare a drywall contractor insurance submission for work anywhere in the U.S. This is brokerage guidance from Lions & Coventry Insurance Services, not legal advice and not a premium quote.

Describe the drywall work you do — List each service you perform, such as hanging, taping and finishing, metal stud framing, acoustical ceilings, texture and patch work, and any insulation or painting you add on. Note the states where you work. Carriers rate each of these activities differently, so leave nothing out.
Break out your project types and any wrap-ups — Estimate how much of your work is residential remodel, tract or multifamily new construction, and commercial. List any projects insured under an owner- or contractor-controlled insurance program (a wrap-up). Residential new construction is where carriers look hardest at construction defect exposure.
Show how you staff and subcontract your crews — Separate payroll for your own employees from what you pay hang or finish crews, and collect a current certificate of insurance from every subcontractor. Uninsured crews can be charged back to your policy at audit, so carriers ask how you track their coverage.
Gather loss runs and contract requirements — Request loss runs from your current or prior carriers and collect the insurance sections of your subcontracts. Builders and general contractors often require additional insured status for completed operations, primary and noncontributory wording and a waiver of subrogation.
Send the submission to a licensed broker — Share the facts above with us. We compare available markets for your liability, workers compensation, auto, tools and umbrella needs, and explain whether a placement is admitted or surplus lines. We do not quote a premium before underwriting reviews the risk.

Related pages: general liability, workers compensation and certificates of insurance. Ready to start? Request a quote or call (916) 967-7715.

Drywall Contractors insurance FAQ

What is completed operations coverage, and why do drywall contractors need it?

Completed operations covers claims that arise after your work is finished, such as cracking, moisture damage or a ceiling that fails months later. Builders and general contractors often require it, and they often want to be named as an additional insured for completed operations too.

Does general liability pay to redo my own work?

Usually not. General liability is written for damage to other people's property and for injuries. The cost of repairing or replacing your own faulty work is generally excluded, though resulting damage to other property may be covered.

What is a wrap-up policy?

A wrap-up, or OCIP or CCIP, is a policy bought by a project owner or general contractor that covers the contractors working on that site. It typically covers only that project, so you still need your own policy for your other work.

Will I be charged for uninsured subcontractors?

Often, yes. Many carriers add the cost of uninsured subcontractors to your payroll at the workers' compensation and general liability audit. Keeping current certificates from every subcontractor helps avoid that charge.

How much does drywall contractor insurance cost?

We don't publish prices, because every drywall contractor quote depends on underwriting. Carriers look at whether you hang, tape and finish, or also frame and install ceilings, residential versus commercial work, your payroll and subcontractor costs, your claims history, the limits and endorsements your contracts require, and the states where you work. Request a quote or call (916) 967-7715 and a licensed producer will review your operations and shop the market.

Brokerage guidance, not legal advice. Coverage depends on the policy form, underwriting and carrier availability, and licensing and insurance rules vary by state.

Request a quote

Tell us about your operations, locations, payroll or revenue, and the coverage or certificates you need. Lions & Coventry has placed commercial insurance since 2009 and is licensed in all 50 states (CA Lic. #0G22084).