Drywaller Insurance

Get reliable contractors coverage tailored for you by BrokerLink.

Drywallers keep Canadian homes and buildings smooth, sturdy, and up to code, but the job comes with its fair share of risk. From ladder falls and dust exposure to costly materials and accidental damage at job sites, even experienced contractors can run into trouble. According to the Association of Workers’ Compensation Boards of Canada, construction trades, which include drywalling, are among the top sectors for workplace injuries each year.

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BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is drywaller insurance?

Drywaller insurance is a type of contractor insurance tailored to the unique risks faced by drywall professionals, whether you're installing wallboard in a new build or repairing ceilings in a busy commercial space. Between physical labour, tool-heavy jobs, property damage risks, and jobsite hazards, it’s easy to see why insurance is essential. At its core, it covers:

Third-party property damage or bodily injury
Business vehicles used to haul equipment or transport crews to the job site

But a comprehensive policy also typically covers things like stolen, lost, or damaged drywalling tools and equipment, lawsuits claiming professional negligence, lost income due to a covered peril, and more.

Who we help

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

From independent drywall installers to full crews working on multi-unit builds, drywall professionals across Canada face their own set of risks, both on the job site and while transporting materials and tools. BrokerLink helps protect your business with drywall contractor insurance designed around the realities of your work.

Commercial drywall contractors
Independent drywall subcontractors
Drywall tapers, mudders, and sanders
Ceiling installers and repair specialists
Residential drywall installers and finishers
Specialty drywall installers (e.g., soundproofing, fireproofing, insulation)

Why do you need drywaller insurance?

Drywall work comes with a variety of risks. Injuries from cuts, falls, or heavy lifting are common, and even experienced drywallers can accidentally cause third‑party property damage. Even one slip with a utility knife could nick underlying wiring, leading to costly repairs.

Imagine this: plaster dust triggers a client’s severe allergy reaction, a ladder accident injures the homeowner while you’re working, or your vehicle, loaded with drywall panels, causes a collision on the way to a job. Any of these situations could result in expensive lawsuits, medical bills, repairs, or lost income.

In Canada, the construction sector remains one of the highest-risk industries. According to the Canada Safety Training Centre, the construction sector accounted for 32% of workplace fatalities in 2023, despite making up just 5% of the workforce.

That’s just one of the reasons why some provinces require insurance coverage. For example, in Ontario, the Workplace Safety and Insurance Act requires every independent operator or sole proprietor in construction to carry insurance coverage. Plus, beyond legal requirements, proof of a certificate of insurance (COI) is often mandatory for project bids.

Types of coverages for drywallers

Drywalling is a hands-on trade that involves ladders, power tools, heavy materials, and constant movement between job sites. From accidental damage at a client’s home to a vehicle collision while in transit, there are many costly risks. That’s why a comprehensive drywall contractor insurance policy is essential for financial protection. Here’s what to consider:

Recommended

Additional

This coverage protects you if a third party is injured or their property is damaged while you’re working and often even after the job is completed.

This coverage is required if you use a vehicle for business purposes. Even if it's your personal vehicle, your personal auto insurance won't cover an insurance claim if the vehicle was being used for work at the time of the incident.

This protects against theft, loss, or damage to your trade tools and machinery.

This coverage helps protect your business if your operations cause accidental contamination, property damage, or health issues.

This helps protect against cyberattacks, data breaches, and other online threats. Even small drywall businesses that use email, store client details electronically, and send digital quotes can be targeted.

This protects your drywall projects, materials, and worksite during construction or renovation. It covers losses from events like fire, theft, vandalism, and certain weather damage before the job is complete.

Also known as errors and omissions insurance, this coverage protects you if a client claims you made a mistake, gave faulty advice, or didn’t meet project requirements or timelines.

This helps protect your physical office or workshop, as well as any stored materials, products, and equipment inside, if it is stolen or damaged due to a covered peril. It can also include business interruption coverage, which helps replace lost income if you're forced to stop working temporarily.

This covers the cost of replacing lost or damaged drywall, materials, and supplies, whether they’re stored on the job site, being transported, or in the middle of installation.

Signing a contract often means taking on responsibility for potential damage or loss claims. While commercial general liability covers most third‑party injury or property damage claims, it may not automatically cover obligations from your business contracts. Adding this endorsement extends coverage to those agreements.

This coverage provides an extra layer of protection if a claim surpasses the limits of your existing liability insurance. It helps cover substantial lawsuits, legal costs, or settlement amounts that exceed what your primary policies can pay.

This coverage protects you if a third party is injured or their property is damaged while you’re working and often even after the job is completed.

This protects against theft, loss, or damage to your trade tools and machinery.

This coverage helps protect your business if your operations cause accidental contamination, property damage, or health issues.

Also known as errors and omissions insurance, this coverage protects you if a client claims you made a mistake, gave faulty advice, or didn’t meet project requirements or timelines.

This covers the cost of replacing lost or damaged drywall, materials, and supplies, whether they’re stored on the job site, being transported, or in the middle of installation.

Let us be your resource for all things contractor insurance

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Why BrokerLink

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

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Our numbers speak for themselves

What determines the cost of drywaller insurance?

Drywall contractors across Canada face a host of variables that determine how much insurance costs. Whether you're working independently in New Brunswick or running a crew in British Columbia, insurance companies look closely at your business to assess the risk. Here’s what factors typically play a role:

Your experience

If you’ve been hanging drywall for years without a single insurance hiccup, you’re likely to score lower premiums. But if you’re just starting, or your business is still building its track record, insurance companies may see you as a bigger risk. Until you’ve proven you can work safely and keep claims to a minimum, your rates might be higher.

The location of your business

The fact is that major cities like Ottawa or Vancouver often carry higher premiums due to increased property values, legal exposure, and jobsite risks, which means you'd likely pay significantly higher premiums if your business is located in a major city versus a more rural one.

Additionally, areas prone to severe weather, like Ontario, Alberta, and Quebec, have seen massive insured commercial losses in recent years, prompting insurers to adjust premiums accordingly.

Your annual and projected revenue

The more your business brings in, the busier you probably are, and with more jobs on the go, there’s more room for things to go sideways. From an insurance provider’s point of view, higher revenue often means bigger projects, more moving parts, and a greater chance that if something does go wrong, the claim could be higher.

The type of projects you take on

Large-scale commercial projects naturally come with bigger risks than a small drywall job in someone’s basement. When you’re working at heights, navigating busy job sites, or tackling complex interiors, the chances of an injury or property damage go up.

Your tools and equipment and their value

If you’ve invested in top-tier gear, such as high-end drywall lifts, electric sanders, or HVAC‑compatible vacuums, you know they don’t come cheap. The pricier your tools, the more it can cost to insure them.

Your chosen coverage types and limits

Basically, the more coverage you add, the higher your premium will be. A basic policy might just include general liability and tools coverage. But if you start layering on extra coverage types like professional liability, installation floater, or cyber insurance, or you bump your coverage limits from $1 million to $2 million or more for extra peace of mind, you can expect your rates to increase.

Your claims history

If you have a clean claims record, insurance companies usually reward you with better rates and discounts. But if you file claims often, even for small stuff, it can make you look riskier, and that usually means higher premiums.

Contact BrokerLink for a free drywaller insurance quote

Are you looking for affordable drywall contractor insurance in Canada? Contact BrokerLink today. Our experienced brokers will walk you through your coverage options and gather personalized quotes based on how you work. We’ll help you build a tailored, cost‑effective policy that protects every part of your drywall business, from commercial general liability insurance and commercial auto to tools and equipment coverage, professional liability, business interruption, and more.

You can call, email, or visit us in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool, which can provide you with a competitive drywaller insurance quote online in minutes.

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Drywaller insurance FAQs

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

What’s the difference between drywall vs. general contractor insurance?

Drywall contractor insurance is tailored to drywall-specific risks, such as dust exposure, material damage, or installation errors. General contractor insurance covers broader project oversight, including subcontractors, multiple trades, and full-site liability.

Is drywall contractor insurance required by law in Canada?

In many provinces, independent drywallers must have coverage under workplace safety laws (e.g., WSIB in Ontario, WCB in Alberta, WorkSafeBC in British Columbia). It may also be required for licensing, permits, and bidding on contracts.

Do I need drywaller insurance if I work alone?

Yes. Even solo drywallers face risks like property damage, injuries, or equipment theft. Insurance not only helps protect your finances, but it may also be required by your province's regulatory body or to bid on jobs.

Are my drywall tools covered if stolen from my locked truck?

Yes, as long as you have tools and equipment coverage as part of your policy. It protects against theft, even from locked vehicles.

What’s the difference between drywall vs. general contractor insurance?

Do I need drywaller insurance if I work alone?

Is drywall contractor insurance required by law in Canada?

Are my drywall tools covered if stolen from my locked truck?

Yes, as long as you have tools and equipment coverage as part of your policy. It protects against theft, even from locked vehicles.

Vehicle Insurance

Property Insurance

Other Insurance

Drywaller Insurance

What is drywaller insurance?

Who we help

Who needs drywaller insurance in Canada?

Why do you need drywaller insurance?

Types of coverages for drywallers

Commercial general liability insurance

Commercial auto insurance

Tools and equipment insurance

Pollution liability insurance

Cyber liability insurance

Builder’s risk insurance

Professional liability insurance

Commercial property insurance

Installation floater insurance

Contractual liability endorsement

Umbrella insurance

Commercial general liability insurance

Commercial auto insurance

Tools and equipment insurance

Pollution liability insurance

Cyber liability insurance

Builder’s risk insurance

Professional liability insurance

Commercial property insurance

Installation floater insurance

Contractual liability endorsement

Umbrella insurance

Why BrokerLink

Our Reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

What determines the cost of drywaller insurance?

Your experience

The location of your business

Your annual and projected revenue

The type of projects you take on

Your tools and equipment and their value

Your chosen coverage types and limits

Your claims history

Contact BrokerLink for a free drywaller insurance quote