What Kind of Insurance Do I Need for a Drywall Contracting Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 4
- 3 min read
Starting a drywall contracting business comes with exciting opportunities—but also serious risks. From job site injuries to property damage and equipment theft, drywall contractors face unique challenges that require specialized insurance coverage.
At Wexford Insurance, we help drywall contractors protect their businesses with tailored insurance solutions. Whether you're installing drywall, finishing sheetrock, or repairing walls, this guide will walk you through the essential insurance policies your business needs to stay protected and compliant.
Why Drywall Contractors Need Insurance
Drywall work involves:
Heavy lifting and working at heights
Exposure to dust and hazardous materials
Operating on busy job sites with other trades
Transporting tools and materials
Without proper insurance, one accident or lawsuit could derail your business. Insurance helps cover medical bills, legal fees, property damage, and equipment losses—so you can focus on growing your business.
👉 Read more: Drywall contractor risk management guide
Essential Insurance Policies for Drywall Contractors
Protects against third-party injuries and property damage. Required by most clients and licensing agencies.
Example: A worker accidentally damages a client’s window while installing drywall. General liability covers the repair costs.
Covers medical expenses and lost wages if an employee is injured on the job. Required in most states once you hire employees.
Example: A worker falls from a ladder and injures their shoulder. Workers’ comp pays for treatment and recovery time.
Covers vehicles used for transporting drywall, tools, and crew. Personal auto policies don’t cover business use.
Example: Your work van is involved in an accident while delivering materials. Commercial auto insurance covers repairs and liability.
Protects your gear from theft, fire, or damage—whether stored at your shop or on a job site.
Example: A fire damages your warehouse and destroys ladders, power tools, and drywall sheets. This policy helps you recover quickly.
Covers your office, warehouse, or storage space against fire, vandalism, and natural disasters.
Example: A storm damages the roof of your storage facility, ruining drywall sheets and equipment. Commercial property insurance helps cover the repair and replacement costs.
🛡️ 6. Umbrella Insurance
Provides extra liability coverage beyond the limits of your general liability, commercial auto, or workers’ compensation policies. Ideal for contractors working on large-scale or high-risk projects.
Example: Your drywall crew accidentally causes a fire that damages multiple units in a commercial building. The damages exceed your general liability limits—umbrella insurance helps cover the remaining costs.
Optional Coverage to Consider
Errors & Omissions Insurance – Protects against claims of professional mistakes or negligence
Builder’s Risk Insurance – Covers buildings under construction
Cyber Liability Insurance – Protects against data breaches and digital threats
Final Thoughts
Insurance isn’t just a legal requirement—it’s a smart investment in your drywall contracting business. From protecting your team to covering unexpected losses, the right coverage gives you peace of mind and credibility with clients.
Wexford Insurance specializes in drywall contractor insurance. We understand your trade and work with top carriers to find coverage that fits your business and budget.
👉 Contact Wexford Insurance today to protect your drywall business.