Paperhanging Contractors Insurance Arizona

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Get AZ small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Paperhanging Contractors Insurance Arizona Policy Information

AZ Paperhanging Contractors Insurance

Paperhanging Contractors Insurance Arizona. As a paperhanging contractor, your clients rely on you to beautify their interior spaces by applying decorative paper coverings on their walls. When your clients hire you, they expect you to get the job done right the first-time around, and they expect you to have it completely in a timely manner and for the price that you quoted them. While you love what you do and you're good at it, too, it's safe to say that you have a lot of demands on your shoulders.

Paperhanging and wallpaper contractors apply wall coverings to building interiors. They may be associated with either painting contractors or interior decorators and perform related services. Paperhangers may work on new construction or in connection with remodeling or renovation.

Operations generally involve surface preparation by stripping old coverings, cleaning the surface to be papered, applying sizing to the surface, cutting the wallpaper to the required size, applying adhesive to the wallpaper, applying the wallpaper to the surface, and cleaning up.

No matter how good you are and how much care you take to get the job done right, mishaps can occur at any time. For that reason, it's absolutely essential that you protect yourself from any fallout that you might face should the unexpected happen. How can you do that? - With the right type of paperhanging contractors insurance Arizona coverage.

Paperhanging contractors insurance Arizona protects your wall covering installation business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Why Do Paper Hangers Need Insurance?

Whether you own a small AZ paper hanging business that specializes in specific types of decorative wall paper, you operate a large company that hangs all types of wall coverings for commercial and residential clients, or you own a retail store where your clients can browse through inventory and select the wall coverings they want, you need to invest in insurance.

Why? - Because there's no way to completely avoid the unexpected. Clients, vendors, or employees could suffer injuries on the premises of your commercial space; a customer could file a lawsuit against your business, claiming you damaged their property during an installation; a fire could break out in your business, damaging your retail space and all of the contents within it.

These types of situations cause more than just a headache; they cause serious financial hardships if you don't have the right type of insurance coverage. Without paperhanging contractors insurance Arizona, you would have to pay for any damages, medical expenses, legal defense fees - and more - out of your own pocket. Imagine how much you and your business would suffer if you had to pay for lawyers fees, medical bills, and repairs from your own wallet?

With the right insurance, however, you can avoid the financial turmoil because your carrier would help to cover these types of expenses. In other words, insurance safeguards you from financial devastation, which is exactly why it is one of the most important investments you can make for your AZ paperhanging business.

What Type of Insurance Do Paperhanging Contractors Need?

The specific type of coverage that AZ paperhanging contractors require depends on a variety of factors. The size or your company, your zip code, your clients, and the number of employees you hire are just some of the factors that will determine what policies you should invest in and how much coverage you should carry. However, there are certain types of paperhanging contractors insurance Arizona coverage that all paperhangers contractors should invest in, no matter what the specific details of their business may be:

  • Commercial General Liability - This type of insurance protects you from any third-party injuries or property damage claims that may be made against you. For instance, if a client claims that you damaged their property while you were providing a service, or a customer trips over a box of wallpaper at your retail space, commercial general liability insurance will help to cover the cost of any legal fees and damages that may arise.
  • Commercial Property - Should your business be damaged in a storm or a fire, or should someone vandalize your store or steal anything within it, commercial property insurance will help to pay for the cost of repairing and/or replacing the damaged or stolen items. For instance, if your signage is vandalized, windows are broken, and equipment is stolen from your commercial space, commercial property insurance will help to pay for the damages.
  • Workers Compensation - If you employ a crew of 100 people or you only have 2 staff members working for you, you're also going to need to invest in workers comp insurance. If an employee suffers an on-the-job injury or illness, the provider of this type of policy will cover the cost of any necessary medical care, as well as wages the employ loses while he or she is unable to work, and any lawsuits that may be filed against you.

AZ Paperhangers Risks & Exposures

Premises liability exposures at the contractor's office are generally limited due to lack of public access. If there is a showroom, clients can slip or fall, or be injured by falling displays.

Off-site exposures are limited. Tools, supplies and scrap all pose trip hazards even when not in use. If there is work at heights, falling tools or supplies may cause bodily injury or property damage if dropped from ladders and scaffolding. Removal of old paint or wall coverings may involve scraping, chemical applications, or sandblasting which can damage other property of the client. The job may require the removal of old lead-based paint.

Products and completed operations liability exposures are low as improper installation is unlikely to cause extensive damage. Environmental impairment liability exposure is limited unless the paperhanger removes and disposes of lead-based paints.

Workers compensation exposures vary based on the size and nature of the job. Work with hand tools and sharp objects such as box cutters used to cut and trim wall coverings can result in cuts and piercings. Back injuries, hernias, sprains and strains can result from lifting, bending, or handling wallpaper at awkward angles.

Workers can experience lung, eye or skin irritations and reactions because of exposure to chemicals used to strip and clean surfaces and to adhesives used to apply wall coverings. When work is done on ladders and scaffolds, there is a potential for severe injury or death from falling or being struck by falling objects. Casual labor and high turnover may be a problem, especially in the preparation and cleanup work.

Property exposures are generally limited to an office and storage for supplies, tools and vehicles unless there is a showroom and stock held for sale. Wallpaper is susceptible to damage by fire, smoke, moisture, humidity and weather perils. Theft exposure is usually low.

Crime exposures are from employee dishonesty. Background checks, including criminal history, should be performed on all employees providing services to customers or handling money. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly.

Inland marine exposures include accounts receivable if the paperhanger offers credit to customers, contractors' equipment and tools, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. The equipment may be limited to rollers and other hand tools, or may include ladders or scaffolding. During installation, the materials are subject to loss or damage by fire, theft, contamination/damage by employees of other contractors, vandalism, and weather-related perils.

Commercial auto exposures are generally limited to transporting workers, equipment, and materials to and from job sites. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.

AZ Paperhanging Contractors Insurance

You put a lot of effort, time, and money into your wall covering contracting business, and you do your very best to make sure you are providing your clients with the best services possible. However, sometimes, there's no way to avoid the unexpected - especially considering how litigious our society has become.

To protect your livelihood, it is absolutely essential for paperhangers to invest in the right type of paperhanging contractors insurance Arizona protection. To find out exactly what type of coverage you need and how much you should carry, speak to a commercial broker.

Arizona Economic Data, Regulations And Limits On Commercial Insurance

Made In Arizona

Anyone who is thinking about starting a business knows that choosing the right location for their operations is essential. The right market and a demographic that will benefit from and be interested in purchasing the products and services a business offers is crucial for the success of an organization. If you're considering Arizona as the location for your company's headquarters or a new division of your business, it's imperative that you make sure the state offers a climate that will allow your operation to thrive.

By analyzing the employment rate and the key industries that are thriving in the state, you can determine if Arizona will be a suitable location for your business. It's also important to be aware of the forms of commercial insurance coverage business owners are required to carry. Below, we look at all three areas to help you decide if the Grand Canyon State is the right place for you to establish a business.

Economic Trends for Business Owners In Arizona

The unemployment rate in Arizona is higher than the national average; as of May, 2019, the rate was 4.9 percent, while the national average as 3.6 percent. However, compared to 2009, when the rate was 10.9 percent, there has certainly been a decrease in the rate of unemployment.

Urban areas are the ideal locations for businesses in the Grand Canyon State, such as Phoenix, Tempe, Scottsdale, and Chandler; but, smaller areas offer promise, too. Payson, Snowflake, Flowing Wells, and Cottonwood are just some of the smaller locations that are seeing economic growth in Arizona.

There are several key industries that are thriving within the state, including:

  • Aerospace and defense
  • Bioscience and health care
  • Film and digital media productions
  • Finance
  • Manufacturing
  • Professional and business services
  • Technology and innovation
  • Tourism
  • Trade, transportation, and utilities
Commercial Insurance Regulations In AZ

The Arizona Department of Insurance regulates insurance in Arizona. Commercial insurance is vital for a business, as it protects the interests of all who are involved with the organization; owners, employees, customers, and vendors. Like any other state, certain forms of commercial insurance are mandated in Arizona, meaning business owners are legally required to carry these policies.

All employers are required to carry workers' compensation insurance, as it provides coverage for work-related accidents and illnesses that employees sustain. Commercial liability insurance, which covers third-party personal injury and property damage liability claims, might also required for certain licenses.

For establishments that sell alcohol, liquor liability insurance is a legal requirement. Lastly, companies that rely on vehicles for business-related purposes (truckers, etc.) must carry a commercial auto insurance policy to protect the drivers of their commercial vehicles, as well as other drivers on the road.

Additional Resources For Contractors & Home Improvement Insurance

Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.


Contractors And Home Improvement Insurance

A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.

Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.

Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.

In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.

An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.

Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.

Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.


Request a free Paperhanging Contractors Insurance Arizona quote in Anthem, Apache Junction, Arizona City, Avondale, Avra Valley, Benson, Bisbee, Buckeye, Bullhead City, Camp Verde, Casa Grande, Casas Adobes, Catalina, Catalina Foothills, Cave Creek, Chandler, Chinle, Chino Valley, Citrus Park, Coolidge, Corona de Tucson, Cottonwood city, Doney Park, Douglas, Drexel Heights, El Mirage, Eloy, Flagstaff, Florence, Flowing Wells, Fort Mohave, Fortuna Foothills, Fountain Hills, Gilbert, Glendale, Globe, Gold Canyon, Golden Valley, Goodyear, Green Valley, Guadalupe, Holbrook, Kingman, Lake Havasu City, Lake Montezuma, Litchfield Park, Marana, Maricopa, Mesa, New Kingman-Butler, New River, Nogales, Oro Valley, Page, Paradise Valley, Paulden, Payson, Peoria, Phoenix, Picture Rocks, Prescott, Prescott Valley, Queen Creek, Rincon Valley, Rio Rico, Saddlebrooke, Safford, Sahuarita, San Luis, San Tan Valley, Scottsdale, Sedona, Show Low, Sierra Vista, Sierra Vista Southeast, Snowflake, Somerton, South Tucson, Summit, Sun City, Sun City West, Sun Lakes, Surprise, Tanque Verde, Tempe, Thatcher, Three Points, Tolleson, Tuba City, Tucson, Tucson Estates, Vail, Valencia West, Verde Village, Village of Oak Creek, Wickenburg, Williamson, Winslow, Youngtown, Yuma and all other cities in AZ - The Grand Canyon State.

Also learn about Arizona small business insurance requirements for general liability, business property, commercial auto & workers compensation including AZ business insurance costs. Call us (480) 937-2697.

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