Create a wall of protection around your business with drywall contractor insurance.
Drywall contractor insurance helps protect your business.
The two biggest risks your drywall contractor business faces are property damage and injury. General liability insurance helps insure against both of these. For example, if one of your employees damages a client’s property while installing drywall, general liability insurance may help pay for the damage. Or, if a tool is left out and someone is injured when they trip over it, your general liability insurance may cover the cost of medical treatment or legal costs if you are sued.
Coverage for environmental hazards.
It may not seem as though drywall contractors face risks involving environmental hazards, but there is a significant one for those who are also involved in the removal of walls and ceilings as part of a remodeling process. Older structures may contain lead-based paint and asbestos, both of which require special handling. Environmental impairment liability insurance may help pay for costs associated with clean-up, bodily harm, and property damage.
How is the cost of coverage determined?
There are multiple factors that may play a role in the cost of coverage, such as the type of drywall work you do, where your business is located, as well as the size of your team.
What are the most important coverages for drywall contractors?
General insurance coverages such as business auto, commercial property, general liability, and workers’ compensation are essential for drywall contractors.
Protecting your business everywhere you are.
Drywall contractor insurance should include business auto insurance. As a business that travels from job site to job site, it’s crucial that your vehicles are covered in case they are involved in an accident. Business auto insurance offers financial protection if one of your company cars or trucks causes property damage or bodily injury. Insurance may also be available for physical damage to one of your own vehicles.
Reduce the impact of crime risks.
Crime insurance and employee dishonesty insurance are two policies you may also wish to consider. Crime insurance protects in the event of theft, vandalism, or fraudulent activity. Employee dishonesty covers risks such as theft of materials or tools as well as embezzlement. Because your employees work in the homes and businesses of your clients, these are important coverages to have.
Insurance for the business side of your operation, too.
There are some insurance coverages that are essential in nearly every industry and it’s important to not overlook them. For instance, workers’ compensation insurance is likely required where you’re located, but it’s especially important because of the physical nature of your work and the higher likelihood of injury. Because regulations vary in different locations, make sure your agent knows all the areas where you perform work. Also, consider cyber liability insurance if you use a computer system in any way. Finally, if you’re accused of discrimination, employment practice liability insurance may help pay for defense costs and settlements.
Contact us today to learn more about drywall contractor insurance to help safeguard your business.
CONTRACTORS INSURANCE IN FLORIDA
What is contractors insurance in Florida?
Contractors insurance in Florida refers to the package of coverages a contractor needs to operate legally and protect the business — typically Commercial General Liability (CGL), Workers Compensation, commercial auto, and an equipment floater.
Coverage
General Liability (CGL)
Third-party bodily injury and property damage claims arising from your operations
Workers Compensation
Injuries to your employees — required by Florida law for most contractors with employees
Commercial Auto
Accidents involving company vehicles, including trucks and trailers
Equipment Floater
Loss, theft, or damage to tools and equipment on and off the job site
Builders Risk
Physical damage to a structure under construction before completion
Umbrella / Excess Liability
Additional liability limits above the CGL and auto policies
Is contractors insurance required in Florida?
Yes. Florida law requires licensed contractors to carry Commercial General Liability insurance and Workers Compensation insurance as conditions of licensure through the Florida Department of Business and Professional Regulation (DBPR).
Minimum CGL limits vary by license type and county. Beyond state requirements, most commercial property owners and general contractors require subcontractors to carry higher limits — typically $1 million per occurrence / $2 million aggregate — and to be listed as additional insureds before allowing work on their properties.
⚠️ Operating without required coverage can result in license suspension, fines, and personal liability exposure if a jobsite injury or property damage claim occurs without insurance in force.
What does contractors general liability insurance cover in Florida?
Contractors general liability (CGL) covers third-party bodily injury and property damage claims arising from your contracting operations — if someone is injured at your job site, or you damage a client’s property while working, CGL responds to pay the claim and legal defense costs.
Standard CGL includes: premises and operations liability, completed operations liability, personal and advertising injury, and products liability. It does NOT cover your own employees (Workers Comp), your own tools and equipment (equipment floater), the structure you’re building (builders risk), or professional errors in design (professional liability).
What is builders risk insurance in Florida?
Builders risk insurance covers a structure under construction against physical damage — fire, wind, vandalism, theft of materials — from groundbreaking through project completion. It terminates when the building is occupied or the project is finished.
Neither the owner’s homeowners policy nor the contractor’s CGL provides this coverage. In Florida, hurricane-season construction creates significant builders risk exposure — an incomplete structure is extremely vulnerable to wind damage.
🌊 Naples / Collier County
New luxury residential and commercial construction in Southwest Florida carries some of the highest per-project builders risk values in the state. Underwriters scrutinize coastal projects carefully.
🐴 Ocala / Marion County
New equestrian facility construction — barns, arenas, stabling — represents significant builders risk exposure. These structures are often large and constructed over months, creating extended storm season exposure.
What is an additional insured and why do contractors need it in Florida?
An additional insured is a party other than the named insured who is granted coverage under a policy. Property owners and general contractors routinely require subcontractors to add them as additional insureds on the sub’s CGL policy — so if the sub’s work causes a claim, the property owner or GC has coverage under the sub’s policy.
Additional insured endorsements are typically added at no cost or minimal cost to the sub’s policy. Florida contractors should carry sufficient CGL limits to accommodate multiple additional insured relationships.
How much does contractors insurance cost in Florida?
Contractors insurance costs vary widely based on trade, annual revenue, number of employees, prior claims history, and types of work performed. Roofing, general contracting, and demolition carry significantly higher premiums than landscaping, painting, or handyman work.
CGL alone: Typically $800-$5,000+ per year depending on trade and revenue.
Workers Compensation: Priced per $100 of payroll — roofing can run $25-$40 per $100 payroll, while clerical workers run under $1.
Full program: CGL, Workers Comp, commercial auto, and equipment coverage for a mid-size Florida contractor often runs $15,000-$60,000+ annually.
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