Residential Drywall
Coverage built for drywall contractors doing remodels, additions, and finish work in occupied homes. Simple, fast, and built for how you actually work.
When you close up a wall in a remodel, you're not just finishing your own work — you're sealing away whatever the electrician, plumber, or insulation crew did before you got there. If something behind that wall turns out to be a problem, yours is often the last name associated with the job before it disappeared from view. That's on top of the more everyday residential exposure: a lift or stilts damage a client's floor, dust gets into HVAC returns in an occupied home, or a section of existing wall is damaged during demo prep.
The foundation of residential drywall coverage. Covers third-party bodily injury and property damage related to your work — dust or debris damages finished flooring, a tool or material falls and damages a fixture, or a homeowner trips over staged sheet goods.
Your lifts, sanders, stilts, and compressors go from job to job. Standard property insurance only covers items at a fixed location — inland marine (tools and equipment) coverage follows your gear wherever it goes, including your truck and job sites.
This is included in your general liability policy and covers claims that arise after a job is finished — a homeowner notices a nail pop or a tape seam failing months after you've moved on, or a crack develops at a joint once the house settles through a season. Drywall's nature as "closed-up" work means this coverage matters more here than in trades where the work stays visible.
Many property management companies now require proof of general liability before approving a contractor to work in their properties, especially for remodel work that touches shared walls or common areas in multi-unit buildings. Typical requirements include a certificate of insurance showing at least $1M per occurrence, and the property manager or management company named as an additional insured.
Once you bind coverage with us, your COI is issued instantly and you can send it to any client or property manager right away.
Most solo residential installers pay between $450 and $950 per year for general liability. Adding tools and equipment coverage brings the total to $650–$1,500 depending on your equipment value. Contractors with employees, or those doing larger remodel and addition work, pay more based on payroll and revenue.
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Our licensed agents build your custom quote — typically same business day.
FAQ
This depends on whether the issue traces back to your work specifically. If it's your installation that failed — a tape seam, a fastening pattern — completed operations coverage under your GL policy responds. If it's a pre-existing issue from another trade that you closed up without causing it, that's a separate question your agent can help you think through.
Those are separate issues from liability insurance. GL covers claims the homeowner makes against you — not disputes about payment or damage to your gear by the homeowner. Tools coverage protects your equipment.
Yes — we can issue certificates naming specific homeowners or property managers as additional insured. This is common for rental property work and some HOA-managed communities.
If you're being paid for drywall work, you're operating a business in the eyes of an insurance carrier — and you're exposed to claims. Coverage is typically affordable enough that it's worth having even for occasional paid work.
Same-day coverage is typically available. Fill out the quote form today and our agents will get you a quote quickly. Once you bind, your COI is issued instantly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.