Industries · Drywall & Flooring
Drywall and Flooring Contractor Insurance
Drywall and flooring contractors often work as subs on larger projects, which means contracts, certificates, and endorsement requests come with the territory. KTL can help you review coverage and contract insurance requirements.
Get a Drywall & Flooring QuoteExposures to think about
- Damage to other trades' work or finished surfaces on shared job sites.
- Repetitive lifting, kneeling, and stilts or scaffold use for employees.
- Frequent general contractor requirements for additional insured status.
- Materials stored on site before installation.
Coverage options to discuss
Contractors General Liability
General liability is usually the first policy a client, general contractor, or property manager asks to see. It is designed to respond to claims that your work or operations caused bodily injury or property damage to someone else, subject to the policy's terms, limits, and exclusions.
Contractors Workers' Compensation
Workers' compensation is designed to provide benefits to employees who are injured on the job, as defined by state law and the policy. Most states require it once you have employees, and many general contractors require proof of it from their subcontractors.
Commercial Auto & Work Trucks
If your trucks, vans, or trailers are titled to the business, carry tools and materials, or are driven by employees, commercial auto is the policy designed for that use. It can include liability, physical damage, and other coverages depending on what you select.
Tools & Equipment Insurance
Your tools travel with you, and a general liability policy is not designed to cover your own property. Tools and equipment coverage — often written as an inland marine or contractor's equipment floater — can cover your gear on job sites, in transit, and in storage, subject to the policy terms.
Builders Risk & Installation Coverage
Materials and equipment you are installing are at risk until the project is complete and accepted. Builders risk and installation floaters are designed to cover property in the course of construction or installation, subject to the policy terms.
Practical questions we'll ask
- What percentage of your work is as a subcontractor to a general contractor?
- Is your work residential, commercial, or both? Any new tract-home construction?
- Do you install tile, hardwood, carpet, or resilient flooring — or all of these?
- Do you use 1099 installers?
Your answers help an agent understand which markets may be a fit. Not every drywall & flooring business qualifies with every carrier, and some operations require additional underwriting review.
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Ready to review your coverage?
Tell us about your business. A KTL agent will review your information and follow up about available options.