Washington Drywall Contractor Insurance. Drywall contractors install drywall, plaster, and wallboard to the interior walls and ceilings of residential and commercial buildings for decoration, insulation, waterproofing, soundproofing, or fireproofing the room or area. Exterior work may consist of applying stucco, cement or similar materials to decorate or finish the outside walls.
Drywall contractors are tradesmen who carry out a specific function (drywall hanging, installing studs in preparation of rock hanging, and ceiling installations for renovation and new work. Drywall contractors, like other specialty contractors, are exposed to many risks at the job site. Getting a comprehensive contractors insurance policy package is the first step in the quest to secure financial protection in the event of work-place accident.
Hanging drywall, taping, and then applying mud to-drywall is a skill learned over time, requiring training and experience. Drywall installers are almost always exposed to injuries that can lead to significant medical expenses as well as lost wages for employees in case an accident occurs. The smartest move a drywall contractor can make is to ensure they are properly protected with an-adequate Washington drywall contractor insurance insurance policy.
Washington drywall contractor insurance protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Protect your drywall contracting business from unexpected events and accidents with business insurance policy, so that you can juggle with your business and have less to worry about. A number of insurance companies have developed special insurance programs aimed at addressing the insurance needs of Drywall Contractors. Typically, the programs offer broad liability policy at low rates. They are available to smaller companies (with less than $5,000,000 in receipts). Bigger contracting companies are offered coverage under different terms.
In your drywall contractor business, choosing the right equipment for the job is quite important. And so is protecting your venture with the right insurance coverage. Professionals in the construction industry face unique risks from a sector that is physically demanding and faced with numerous regulatory hurdles. Drywall contractor insurance is for those who install, remove, or repair drywall, plasterboard, sheetrock, and wallboard in residential and commercial spaces. Our insurance company understands the construction space inside and out, and you can therefore find insurance products tailored to your own specific drywall business needs.
There are a wide variety of drywall contractor insurance options. Generally, a drywall contractor will need a number of different coverage policy parts or insurance covers to adequately cover the kinds of risk and exposure inherent to being a drywall contractor at their workplaces. Here are common insurance coverages for drywall contractors:
Premises liability exposures at the contractor's office are generally limited due to lack of public access. Off-site exposures include damage to the clients' other property by the contractor's employees, bodily injury to members of the household, the public or employees of other contractors. Tools, power cords, plastering materials and scrap all pose trip hazards even when not in use. If there is work at heights, falling tools or supplies may cause damage and injury if dropped from ladders and scaffolding. Contractors can damage customers' premises removing old ceiling and wall coverings.
Completed operations liability exposures depend on the type of plastering being done. If the plastering is for waterproofing or fireproofing, faulty installation can result in significant property damage, and in the case of fireproofing, loss of life. A growing concern is the installation of exterior insulation and finish systems (EIFS). This refers to a synthetic stucco with insulating properties that has recently been blamed for causing moisture and termite problems affecting the structural integrity of a residence. It is not clear whether the manufacturer or the installer has the greater liability.
Environmental impairment liability exposures arise from the removal, transport, and disposal of waste and old debris that has been removed from the job site. As some of these older materials may include lead-based paints or asbestos, proper disposal procedures must be in place. Transportation and disposal procedures must adhere to all EPA and other regulatory standards. Training and supervision of employees is critical.
Workers compensation exposure varies based on the size and nature of the job. 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, or from severe weather during exterior operations. Drywall installation may involve the use of low stilts in the mudding and taping phases.
Back injuries, hernias, sprains and strains can result from lifting or plastering in awkward positions. Repetitive motion injuries may occur. Drywall and wallboard need to be cut to size, which can result in cuts and piercings. Dust cutting, trimming, and mixing operations can irritate eyes and lungs.
Property exposures are usually limited to an office and storage for supplies, tools and vehicles. Most supplies are not flammable or combustible, nor are they normally considered target theft items.
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 plasterer offers credit to customers, contractors' equipment and tools, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. Equipment may be limited to trowels, spray guns, and other hand tools, or there may be ladders, scaffolding, and similar equipment.
The contractor may rent, lease or borrow equipment for unusual jobs or own special equipment that is leased, rented or loaned to others when not in use. The materials awaiting installation are subject to loss or damage by moisture, by employees of other contractors, vandalism, and theft.
Commercial auto exposures include the transportation of 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.
Our Washington drywall contractor insurance contractor packages are developed by identifying special needs, as well as potential exposures that you as a drywall contractor may face on a day-to-day basis. Our drywall contractor insurance covers are designed for your growing business. Through monitoring changes in the construction industry, we've developed insurance packages that take into account current new trends in construction, offering you with the peace of mind that you deserve to perform your work with excellence. This means you can worry less about exposure to risk, and focus more on growing the business.
For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.
If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.
Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2019 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2019, with a forecasted rate of 4.7 percent.
Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.
The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.
While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.
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.
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 Washington Drywall Contractor insurance quote in Aberdeen, Anacortes, Arlington, Auburn, Bainbridge Island, Battle Ground, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Burien, Burlington, Camas, Centralia, Chehalis, Cheney, Clarkston, College Place, Covington, Des Moines, DuPont, East Wenatchee, Edgewood, Edmonds, Ellensburg, Enumclaw, Ephrata, Everett, Federal Way, Ferndale, Fife, Gig Harbor, Grandview, Hoquiam, Issaquah, Kelso, Kenmore, Kennewick, Kent, Kirkland, Lacey, Lake Forest Park, Lake Stevens, Lakewood, Liberty Lake, Longview, Lynden, Lynnwood, Maple Valley, Marysville, Mercer Island, Mill Creek, Monroe, Moses Lake, Mount Vernon, Mountlake Terrace, Mukilteo, Newcastle, Oak Harbor, Olympia, Othello, Pasco, Port Angeles, Port Orchard, Port Townsend, Poulsbo, Pullman, Puyallup, Redmond, Renton, Richland, Sammamish, SeaTac, Seattle, Sedro-Woolley, Selah, Shelton, Shoreline, Snohomish, Snoqualmie, Spokane Valley, Spokane, Sumner, Sunnyside, Tacoma, Toppenish, Tukwila, Tumwater, University Place, Vancouver, Walla Walla, Washougal, Wenatchee, West Richland, Woodinville, Yakima and all other cities in WA - The Evergreen State.
Also learn about Washington small business insurance requirements for general liability, business property, commercial auto & workers compensation including WA business insurance costs. Call us (206) 801-0021.