Paperhanging Contractors Insurance Pennsylvania (Quotes, Cost & Coverage)
Call to start your quote:
Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Paperhanging Contractors Insurance Pennsylvania
Paperhanging Contractors Insurance Pennsylvania. 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 Pennsylvania coverage.
Paperhanging contractors insurance Pennsylvania 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 PA 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 Pennsylvania, 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 PA paperhanging business.
What Type of Insurance Do Paperhanging Contractors Need?
The specific type of coverage that PA 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 Pennsylvania 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.
PA 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.
PA 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 Pennsylvania protection. To find out exactly what type of coverage you need and how much you should carry, speak to a commercial broker.
Pennsylvania Economic Business Outlook & Commercial Insurance Requirements
While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.
If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.
Pennsylvania's Economy Now And Into The Future
In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.
The job market is expected to see steady growth in Pennsylvania during the 2019 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.
For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2019 calendar year. Other industries that are forecasted to see growth include:
- Printing & Publishing
If you are thinking about doing business in PA, working in one of these industries will likely afford you success.
Insurance Requirements For Businesses In Pennsylvania
The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.
While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.
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.
- Air Conditioning Systems Installation Repair
- Builders Risk
- Cable And Satellite TV Installer
- Concrete Contractors
- Contractor Liability
- Demolition Contractors
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Excavation Contractor
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Framing Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Masonry Contractor
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Security Alarm
- Siding Contractor
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
If a contractor 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.
Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.
Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.
Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.
Request a free Paperhanging Contractors Insurance Pennsylvania quote in Aliquippa, Allentown, Altoona, Ambridge, Baldwin, Beaver Falls, Bellevue, Berwick, Bethel Park, Bethlehem, Bloomsburg town, Bradford, Brentwood, Bristol, Brookhaven, Butler, Camp Hill, Canonsburg, Carbondale, Carlisle, Carnegie, Castle Shannon, Chambersburg, Chester, Coatesville, Collingdale, Columbia, Connellsville, Conshohocken, Darby, Dormont, Downingtown, Doylestown, DuBois, Dunmore, East Stroudsburg, Easton, Economy, Elizabethtown, Ellwood, Emmaus, Ephrata, Erie, Franklin Park, Gettysburg, Glenolden, Greensburg, Grove, Hanover, Harrisburg, Hatboro, Hazleton, Hermitage, Huntingdon, Indiana, Jeannette, Jefferson Hills, Johnstown, Kingston, Lancaster, Lansdale, Lansdowne, Latrobe, Lebanon, Lewistown, Lititz, Lock Haven, Lower Burrell, McKeesport, Meadville, Mechanicsburg, Middletown, Millersville, Milton, Monessen, Monroeville, Morrisville, Mount Joy, Munhall, Murrysville, Nanticoke, New Castle, New Cumberland, New Kensington, Norristown, Northampton, Oil, Old Forge, Palmyra, Perkasie, Philadelphia, Phoenixville, Pittsburgh, Pittston, Pleasant Hills, Plum, Pottstown, Pottsville, Quakertown, Reading, Ridley Park, Scranton, Shamokin, Sharon, St. Marys, State College, Sunbury, Swissvale, Tamaqua, Uniontown, Warren, Washington, Waynesboro, West Chester, West Mifflin, White Oak, Whitehall, Wilkes-Barre, Wilkinsburg, Williamsport, Wilson, Wyomissing, Yeadon, York and all other cities in PA - The Keystone State.
Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.