Drywall Contractor Insurance

Drywall Contractor Insurance Ontario

Comprehensive drywall insurance coverage for professional drywall contractors and installers in Ontario

Zensurance - Drywall Contractor Insurance

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Insurance for Ontario drywall contractors

Drywall and plaster contractors and installers are professionals who specialize in the installation, repair, and finishing of drywall, gypsum board or plasterboard.

These skilled tradespeople accurately measure, cut, and install drywall panels to create walls and ceilings in both residential and commercial buildings. In some cases, drywall contractors also do insulation installations. Furthermore, they may consult with builders, architects, or property owners to plan the layout, design, and installation of drywall in a construction or renovation project.

However, drywall contractors and installers face several potential liability risks in their line of work, including accidents, errors in workmanship, environmental factors, and contractual disputes. A customized drywall contractor insurance policy is essential protection to safeguard them from the liabilities they face.

Drywall insurance is a customized policy containing different coverages designed to protect contractors or small business owners involved in drywall installation, repair, and finishing work. It provides financial protection against various liabilities, claims, and risks associated with your services.

A drywall contractor insurance policy typically includes the following types of coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers claims of third-party bodily injury, third-party property damage, and allegations of defamation or false advertising. It’s designed to pay for damages caused by accidents or negligence. For example, if a customer or passerby trips, falls, and is hurt at a job site where you’re working, CGL may cover their medical expenses and provide you with funds for your legal defence if sued.
  • Commercial Property Insurance: Commercial property insurance, or business property insurance, protects your office or workplace and its contents and inventory from damage and loss caused by fire, water, a natural disaster, theft and vandalism. Commercial property insurance might also include business interruption insurance to cover your overhead expenses if you’re forced to close operations temporarily while repairs are underway following an insurable loss. If your coverage doesn’t, you can add it to the policy as an endorsement.
  • Product Liability Insurance: Product liability insurance covers the products you manufacture, distribute, or sell and install at customer job sites if they are defective. Product liability insurance may be included in general liability insurance. If not, you can add it to your policy.
  • Completed Operations Insurance: Completed operations insurance is vital for drywall contractors, installers, and general contractors. It protects you against liabilities arising after a job is completed. For instance, if a customer discovers a problem with the drywall installation you performed that requires repairs, completed operations insurance may cover the repair costs.
  • Contractual Liability Insurance: Contractual liability insurance protects drywallers from liabilities that arise from the contracts or agreements they sign. It is critical coverage to have if facing disputes or legal action related to your contracts with customers or subcontractors. For example, suppose a drywall contractor signs a contract with a property owner to renovate a building. In that case, that contract might state the drywaller assumes financial responsibility to pay for third-party bodily injuries or property damages that occur while the renovation work is underway. If an accident occurs, you may be liable to pay for damages, not your customer or subcontractor.

There may be additional coverages you require in your policy to build a comprehensive policy, such as commercial auto insurance to cover business vehicles and cyber liability insurance to help your business recover if it suffers a cyber-attack or data breach.

Insurance providers determine the cost of a drywall insurance policy based on your operations and the following factors:

  • Your location
  • The products and services you provide
  • The type of customer contracts you sign
  • Your years of experience
  • The number of employees you have (if applicable)
  • Your annual and gross projected revenue
  • Your insurance claim history

Zensurance works with over 50 Canadian insurance providers through our partner network to find drywall contractors with the low-cost coverage they need.

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Common claims scenarios

drywaller - property damange

Problem: While installing drywall at a residential property, you accidentally damage the homeowner’s flooring and fixtures.

: Your commercial general liability insurance may pay to repair the customer’s damaged flooring and fixtures.

chandelier falling from ceiling

Problem: After completing a drywall installation at a commercial property, the property owner discovers cracks and uneven surfaces in the installation.

: Your completed operations insurance may cover repairing the damages.

Problem: The type of drywall material you used for a project is found to be defective by the customer. They file a claim against you for property damage.

: Your product liability insurance may pay to replace the defective drywall. Commercial general liability insurance may cover the damages to the customer’s property and provide you with funds to seek legal counsel if you’re sued.

Frequently asked questions

Can a sole proprietor or independent contractor get drywall insurance?

Yes. Sole proprietors and independent contractors can obtain drywall insurance. It’s important to have coverage before embarking on any construction or renovation project to protect yourself from potential liabilities and financial risks.

What happens if a drywaller doesn’t have insurance and is sued?

If you don’t have drywall insurance and you’re sued for damages or injuries related to your work, you could be personally responsible for covering the costs, including legal fees and settlements, which would significantly impact your finances and business.

Is professional liability insurance included in drywall insurance?

No. Professional liability insurance, also known as errors and omissions (E&O) insurance, is not typically included in a drywall contractor insurance policy. However, you can add it to a policy if you wish. It is worthwhile to have if you provide consulting and design services.

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Protect your finances and reputation with a customized drywall contractor insurance policy from Zensurance.

Fill out our online application for a free quote. Our knowledgeable brokers can advise you on the coverage and limits you need and tailor a low-cost policy to suit your specific requirements.