Drywall Contractor Insurance in New Hampshire

Also providing drywall contractor insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is drywall contractor insurance?

Drywall professionals working in New Hampshire can have profitable careers, but a single incident could result in devastating costs. Drywall contractor insurance can help professionals shield themselves from a range of covered risks.

Drywall contractor insurance is specialized commercial insurance designed for drywall professionals. Most policies include multiple coverages, protecting against both property and liability risks.

What professionals in New Hampshire need drywall business insurance?

Most drywall professionals working in New Hampshire should insure themselves with drywall business insurance. Not insuring can result in especially expensive lawsuits or losses.

Contractors who do drywall along with other contractor work might need a slightly broader insurance policy. A knowledgeable insurance agent can help such contractors determine whether a drywall business policy or another insurance option would be a better choice.

What insurance coverages do drywall business policies make available?

Many of the coverages found within drywall business policies can be categorized as either property or liability protections. Property protections normally protect assets that a business owns. Liability protections normally protect against situations where a professional or their business could be financially responsible for causing someone harm. 

Some property coverages that drywall business policies often make available are:

• Commercial Property Coverage: May cover a drywaller’s equipment, tools, and supplies when they’re at a facility. Could insure the facility too if it’s owned by the drywall business.
• Inland Marine Coverage: May cover a drywaller’s equipment, tools, and supplies when they’re driven between customer locations.
• Extra Expenses Coverage: May cover leasing a temporary facility if a primary facility sustains major damage in a covered incident.
• Commercial Auto Coverage: May cover a drywaller’s work truck or van. Usually includes liability protections for accidents, and protection against damage to the vehicle.

Some liability coverages that can usually be obtained through drywall business policies are:

• Commercial General Liability Coverage: Might insure against commonplace accidents where a customer is injured or their property damaged.
• Employment Practices Liability Coverage: Might insure against discrimination claims that employees or potential employees make.
• Hired and Non-Owned Auto Coverage: Might provide only liability protection when employees drive their personal vehicles for work.
• Umbrella Coverage: Might provide additional liability protection in case a lawsuit exceeds the limits of another liability coverage.

Do drywall professionals need to have builders risk coverage?

Builders risk coverage normally insures equipment, tools, and supplies when they’re kept at a job site. The coverage might pay to replace the tools if they’re stolen, or if they’re lost in a different covered incident. Whether drywall professionals should have this coverage depends largely on the type of work they do:

• Small Jobs: The coverage may not be necessary if only doing smaller jobs. There’s little need to insure tools at a job site if they’re never left overnight. For example, if a drywaller only does day jobs or always keeps their tools in a vehicle.
• Subcontract Work: Whether the coverage is needed when subcontracting for a general contractor depends largely on the general contractor’s insurance. Drywallers normally don’t need their own coverage if a general contractor already has builders risk, and that coverage extends to subcontractors. If this isn’t the case, drywallers should consider their own policy.
• Larger Jobs: Drywallers who take on larger jobs directly from customers might need builders risk, especially if they leave tools at the worksite overnight. Builders risk could also be necessary if renting specialized equipment for specific jobs.

An insurance agent who specializes in drywall business insurance can help evaluate whether builders risk, or any other particular coverages, make sense for a specific situation.

How much do drywallers pay for insurance?

The cost of drywall business policies varies, but they tend to be quite affordable. An independent insurance agent can check quotes from several insurance companies to see how much coverage will cost.

How can drywallers in New Hampshire get drywall contractor insurance?

If you’re a drywall professional and need insurance, contact the independent insurance agents at Insurance24. One of our New Hampshire agents will get you set up with a drywall contractor insurance policy that’ll protect you well.