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Affordable insurance coverage for Ontario drywallers

While some coverages are optional, there is basic insurance your Ontario drywall business needs to cover your tools and equipment, your vehicles, and to protect you from costly legal action if a job doesn’t go according to plan. Don’t sweat the details, our commercial insurance brokers will talk you through it all and present affordable options. Starting around $1,000 a year. Start your quote now and one of our brokers will get back to you for a free consultation.

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How much for all your tools?

Think about all the tools you use in your drywalling business. How much would it cost you to replace all your utility knives, drills, saws, sanders, putty knives, ladders, t-squares, taping tools, and corner flushers? If the number makes you uncomfortable, you should know that drywaller insurance includes coverage for if your tools are stolen, damaged, or lost in a fire. This will even pay for rental tools if your tools are lost, so you don’t have to miss a day of work.

Trust Mitch for your drywalling insurance needs

To get a quote on tailored insurance coverage for your unique drywall contractor business, talk to one of our business insurance brokers. As a brokerage for over 70 of Canada’s top insurance companies, we have access to certain coverages and rates that you won’t get with most other brokerages. Your perfect policy is out there, and we’ll find it for you.

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What is covered by drywall contractor insurance?

Insurance packages for drywall contractors in Ontario usually include commercial general liability and coverage for your tools, vehicles, shop and more.

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Commercial general liability

Let us worry about the what-ifs. Liability coverage pays your legal costs and more if your work leads to injuries or property damage. If the unexpected happens, we’ll be there to help you.

More about CGL

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Commercial auto

Coverage for injuries, liability and vehicle damage, no matter if you drive company-owned vehicles, or use your own personal truck to get you, your crew and equipment to the job site.

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Tools and equipment

Covers your essential tools like drywall lifts, jab saws, drills, dust masks, ladders and more from damage or theft. It also covers short-term rentals to keep you working after a claim.

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Commercial property

If your drywall business has an office or warehouse it can be covered for damage from fire, storms, burst pipes, vandalism and theft – so can your computers, business supplies and inventory.

Other things to consider for your drywalling business

Running your business from home

Running your drywalling business from home is a great way to keep your costs down, especially when you’re starting out. You may not need commercial property insurance but talk to your broker about whether you need coverage for stuff that belongs to the business but that you store at home, like tools and drywall. It may not be covered by your home insurance.

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Should you think about cyber insurance

Cyber insurance covers a number of risks related to electronic information that you store on computers or in the cloud, or that you share online. A standard business insurance policy doesn’t cover losses that arise from a data breach or hack of your business systems. If you have electronic customer records (like most businesses today), you may want to consider adding cyber coverage to your policy.

Learn about cyber insurance

Frequently asked questions about drywaller insurance

It really depends on the size of your business and whether it has a physical office and company vehicles. For a small drywall and plaster business with no employees, office or owned vehicles, insurance costs start around $80 a month.

Drywalling and plaster businesses have three types of claims that are quite common:

  • Dust – Our insurer partners that cover drywalling businesses see quite a few claims that arise when drywall and plaster dust are not properly contained and are then circulated by HVAC systems to other parts of a home or business. The dust doesn’t do damage per se but can require costly clean-up.
  • Nails and screws – Another scenario that arises from time to time is a stray drywall screw that nicks a pipe in the wall and leads to water damage.
  • Stolen tools – Most contracting businesses require you to travel to and from the worksite with your tools in tow. Tools are often stolen from a site or from unlocked vehicles.
  • Learn more about common drywaller claims

If you or your employees use your own personal vehicles to bring tools and supplies to the work site, you need a special kind of commercial auto insurance called non-owned automobile coverage. It’s often not much more expensive than your personal auto insurance policy, and well worth it because if you have an accident while carrying your drywalling tools and equipment around, your claim on a personal auto insurance policy could be denied. Ask your Mitch broker to make sure you’re fully covered.

Learn more about non-owned auto insurance

Your business is unique, so are your insurance options.

Being a brokerage for over 70 of Canada’s top insurers means we have access to a wide range of insurance solutions as unique as your business – at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here are a few of them: