Plastering Contractor Insurance
Plastering Contractor Insurance is crucial for protecting your business against risks like property damage, injury, and legal claims during plastering or stucco work. Whether you’re working in residential or commercial settings, accidents can happen, and without proper insurance, you could face significant financial losses.
Choose the right coverage from trusted insurance providers.
Why Do Plastering Pros Need Insurance?
Working as stucco and plastering contractors means entering someone’s home or office, where there’s always some risk involved. I’ve seen a worker accidentally spill plaster on an antique rug, and once a customer tripped over a ladder, leading to an injury.
Without proper contractor insurance, these situations could cost thousands in property damage, medical bills, or even legal costs. For small businesses, these accidents can lead to serious lawsuits if you’re not covered. The right insurance helps you comply with state laws, protects your business, and keeps your reputation intact when things go wrong.
What types of insurance do stucco and plastering businesses need?
Stucco and plastering businesses need insurance policies that cover the most common risks, such as property damage, injuries, and equipment loss.
Business owner’s policy
This policy conveniently bundles commercial property and general liability insurance into one cost-effective plan for dealers. A BOP is ideal for securing auto shop insurance and shielding businesses from financial losses.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial auto insurance
A policy designed for dealers and repair shops helps pay for property damage and medical bills after an accident. It is required in many states for businesses that own cars.
Under this plan
Car accident repair costs
Vandalism and theft
Weather damage
General liability insurance
This policy covers basic liabilities for auto service businesses, protecting against dealer risks like customer injury at a repair shop. To maximize savings, businesses can bundle it with property insurance or a business owner’s policy for broader coverage.
Under this plan
Customer injuries at a repair shop
Accidental vehicle damage
Slander and advertising injuries
Workers’ compensation insurance
Workers’ comp is required for auto shops in almost every state to cover employee injuries and related costs. It protects both employees and sole proprietors by handling work injury costs that health insurance might deny.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits
Tools and Equipment Protection Plan
Contractor’s tools and equipment insurance helps protect your construction gear no matter where you go. This policy keeps your tools and equipment safe while you’re moving them (in transit) or using them at a jobsite. To qualify, your items usually need to be valued under $10,000.
Under this plan
Equipment less than five years old
Mobile equipment
Small toolsa
Professional Liability Protection Plan
Professional liability insurance for contractors, also known as errors and omissions insurance, protects against financial losses when a construction mistake or oversight causes a lawsuit. This policy is key for handling claims related to your work and promises made to clients.
Under this plan
Accusations of negligence
Failure to complete construction
Failure to use promised materials
How Much Does Stucco and Plastering Insurance Cost?
The cost of stucco and plastering insurance depends on your business size and services. Independent contractors typically pay less than larger companies. Factors like service type, equipment value, income, coverage types, and policy limits all influence your premium.
- Independent contractors usually pay less
- Type of work (residential or commercial)
- Value of tools and equipment
- Business income
- Insurance types selected
- Policy limits and deductibles
How do I get stucco and plastering business insurance?
Getting insurance for your stucco and plastering business is easier than you think. When I first set up my company, I just needed some basic information like my revenue and number of employees. With that ready, I went through Eagle Nation, and the process only took a few steps to complete.
Here’s how I did it:
- I filled out a free application online with basic facts about my business.
- Then, I got to compare quotes from top-rated U.S. insurers.
- I could choose from multiple policies based on what fits my work style, whether I work independently or plan to hire others.
- Once I decided, I just had to pay and download my certificate of insurance.
Eagle Nation’s licensed agents helped me find affordable coverage fast, making sure everything was sorted without stress.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Common Questions About Plastering Contractor Insurance
Plastering Contractor Insurance is a type of insurance that helps protect plastering and stucco contractors from financial losses due to accidents, injuries, or property damage during their work. It covers potential risks like property damage, medical bills, and legal costs.
Yes, even if you work independently, Plastering Contractor Insurance is important. It protects you against unexpected accidents that could lead to significant financial losses, such as damage to a customer's property or injuries on the job site.
The cost of Plastering Contractor Insurance depends on factors like your business size, services offered, and the types of coverage you choose. Independent contractors generally pay lower premiums than larger companies, but factors like tools, equipment, and income will affect your rates.
Yes, you can easily get Plastering Contractor Insurance online. By filling out a free application, comparing quotes from top-rated U.S. insurers, and choosing the right policy, you can have your coverage in place quickly and affordably.
Top construction contractors we insure
Don't see your profession? Don't worry.
We insure most businesses.
As a plastering contractor, this insurance has been a lifesaver. It covers everything from accidental property damage to injury claims, protecting my business and reputation.