Plasterer Insurance

Get reliable contractors coverage tailored for you by BrokerLink.

Protecting tools, projects, and peace of mind across Canada. Drywallers face some serious challenges on the job, from physically demanding work, job site hazards, and valuable tools that could lead to costly insurance claims. Whether you slip off scaffolding or trigger a client's allergies with drywall dust, one mistake could lead to a massive financial impact. That's why BrokerLink offers tailored plasterer insurance designed to protect your business, employees, and your livelihood. We'll help you cover your bases--our insurance solutions are flexible, affordable, and built around the actual risks you face every day.

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

What is plasterer insurance?

Plasterer insurance, sometimes referred to as drywall contractor insurance, is a customized insurance package specifically designed to protect those who install residential and commercial drywall. It includes essential policies like general liability coverage, commercial auto, equipment coverage, 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.

Restoration drywallers
Tape & mud specialists.
Union‑affiliated workers.
Commercial drywall crews
Residential drywall contractors
Sub‑contractors on larger builds
Self‑employed drywall installers

Why do you need plasterer insurance?

To a professional, drywalling can seem like it's second nature; it's part of their routine. But it still carries serious risks. From physical bodily injuries to costly property damage, one mistake can lead to major financial losses and setbacks if you don't have insurance in place.

Let's say you're cutting into a wall and accidentally slice through your client's electrical wiring. You're now responsible for the repair costs. Then there's the risk of physical injuries. From ladders to scaffolding and sharp, heavy equipment, drywalling is both physically demanding and dangerous. If a client is injured on your work site, you could be sued.

That's where plasterer insurance steps in. It protects your financial interests, safeguards your business reputation, and ensures you meet requirements for job bids and contracts. With the right coverage in place, you won't have to worry about surprise compensation claims, legal fees, repairs or replacements, or income loss. Insurance gives you peace of mind, so you can focus on finishing the job at hand.

Types of insurance coverage for plasterers

Every drywaller faces unique risks depending on the size of their crew, the scope of their work, and the value of their equipment. That's why plasterer insurance combines essential coverages with customizable options to provide you with exactly what you need. Depending on the scope of your drywalling operations, you may wish to purchase additional coverage as well.

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Additional

Commercial general liability insurance protects you against third-party injuries and property damage that happen as a result of your work. For example, if a client trips over your extension cord and breaks their wrist, this liability insurance will help cover the cost of medical bills, legal expenses, and settlement funds if a lawsuit is filed against you.

A tools and equipment insurance floater protects them from theft or damage, whether they're in your truck, on your job site, or in storage. If your work van is broken into overnight and $10,000 worth of equipment is stolen, this floater will help you replace it.

Commercial car insurance covers all vehicles used for business purposes, regardless of whether it's your personal car or a fleet. For example, if one of your employees is delivering drywall sheets and their van is rear-ended by another car, this policy will cover the damages.

Commercial property coverage will repair or replace your office, storage unit, or warehouse from various risks, including theft, vandalism, fire, severe weather damage, and water damage. For example, if your warehouse roof is damaged in a severe windstorm, this policy will cover the cost of repairing and replacing it.

This policy will cover your drywall panels and other materials stored at job sites or in transit. For example, if a rainstorm soaks your drywall at one of your sites, this policy will help you recover the costs.

Pollution liability insurance protects you against cleanup or health-related claims due to dust, debris, or other contaminants. For example, if dust from sanding drywall enters the HVAC system in your client's home, diminishing the indoor air quality of their living space, this policy would cover your business if a claim is filed against you.

If you're providing advice or consultations to clients and they claim your recommendations caused them harm or damages, professional liability insurance will cover your legal fees and other expenses that may arise.

If you have employees, workers' compensation is mandatory. This Helps cover medical expenses and lost wages if employees get hurt. For example, if one of your crew members falls off a scaffold and breaks their leg, this policy will help support their recovery.

Business interruption coverage replaces lost income if your business is forced to shut down operations temporarily as a result of an insured event. For example, if a fire damages your warehouse and you can't work for two weeks, this policy will help you cover utility costs, employee wages, lost income, and more.

Cyber liability insurance offers protection against hacking, data leaks, and other cybercrimes that may occur to your business. For example, if your online client management system is hacked and their personal information is stolen, this policy will help you with recovery costs and legal expenses.

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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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Factors that affect the cost of your insurance policies

Insurance premiums for plasterer insurance will vary based on several factors unique to your business and risk exposure, including:

Business structure (Sole proprietor vs. Incorporated)

Sole proprietors typically pay less for coverage than incorporated businesses due to their lower liability exposure and smaller-scale operations.

Scope and type of work (Residential vs. Commercial)

If you specialize in residential drywall projects, your risk level may be lower than that of those working on large-scale commercial or industrial sites. Therefore, you'll likely be quoted a lower premium.

Experience and safety record

Drywall professionals with years of industry experience and a clean safety record are considered lower risk than new professionals and will likely qualify for lower rates.

Tools and equipment inventory value

The more tools and high-quality equipment you have, the more expensive your premium will be to ensure your coverage limits are high enough to repair or replace your items if something unexpected occurs.

Number of employees

More employees mean more risk exposure and higher payroll costs, which can increase your overall insurance rates.

Vehicle usage and types of vehicles

If you operate several work trucks or travel frequently between job sites, your commercial auto insurance premium will reflect these risks.

Location

Insurance costs will also vary based on where you live. Urban areas often have higher claims rates than rural ones, given the overall exposure to risks. Provincial regulations also differ, which will need to be considered when pricing your premiums.

Additional information you should know

When choosing plasterer insurance, it's important to consider the smaller details that could affect your coverage:

Subcontractors: If you hire subcontractors, you need to ensure you clarify whether they’re covered under your policy or require their own insurance. Uninsured subcontractors can expose your business to unexpected liabilities.
Same-Day certificates of insurance: If you need proof of insurance before starting a job, BrokerLink can issue a same-day certificate of insurance quickly, so you don't miss out on new opportunities.
Working across provinces: If you're travelling between provinces for work, we'll ensure your policy meets local regulations in all regions you intend to operate in.
Seasonal or part-time work: Only take contracts during certain months of the year? Ask us about flexible policies tailored for part-time or seasonal operations to avoid overpaying for coverage.

Contact BrokerLink for affordable coverage today

Don't leave your business unprotected. At BrokerLink, we help plasterers and other professionals find affordable business coverage. With access to flexible policies from some of Canada's top insurance companies, our brokers can help you shop around, compare rates, and find affordable policies tailored to your needs, including builders risk insurance and construction insurance. Contact BrokerLink over the phone or by email to speak to a broker directly or get a free insurance quote using our online quote tool today!

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Plasterer 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 and general contractor insurance?

Drywall insurance is more focused than general contract coverage. Specifically, it's tailored to drywall-specific risks like dust exposure, drywall panel transport, and more, while contractor insurance is broader.

Are my tools covered if stolen from my locked truck?

Yes, if you have a tools and equipment endorsement in your plan, you will have coverage if they are stolen from your locked vehicle. But make sure the policy specifically states you have coverage for theft in transit or from a parked vehicle.

Do I need insurance if I work alone?

Yes, even if you work alone, you still need liability and tool coverage at a minimum. Most clients and contractors won't hire you without some form of insurance in place.

Can a previous claim impact my quote?

Yes. A history of claims can increase your premiums, but BrokerLink can help mitigate the impact by improving your coverage and how it's structured, which can help you save as much as possible.

What's the difference between drywall and general contractor insurance?

Do I need insurance if I work alone?

Yes, even if you work alone, you still need liability and tool coverage at a minimum. Most clients and contractors won't hire you without some form of insurance in place.

Are my tools covered if stolen from my locked truck?

Can a previous claim impact my quote?

Yes. A history of claims can increase your premiums, but BrokerLink can help mitigate the impact by improving your coverage and how it's structured, which can help you save as much as possible.

Vehicle Insurance

Property Insurance

Other Insurance

Plasterer Insurance

What is plasterer insurance?

Who we help

Who needs plasterer insurance in Canada?

Why do you need plasterer insurance?

Types of insurance coverage for plasterers

Commercial general liability insurance

Tools and equipment insurance

Commercial insurance

Commercial property insurance

Installation/contents floater

Pollution liability insurance

Professional liability coverage (E&O)

Workers' compensation

Business interruption

Cyber liability insurance

Commercial general liability insurance

Tools and equipment insurance

Commercial insurance

Commercial property insurance

Installation/contents floater

Pollution liability insurance

Professional liability coverage (E&O)

Workers' compensation

Business interruption

Cyber liability 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

Factors that affect the cost of your insurance policies

Business structure (Sole proprietor vs. Incorporated)

Scope and type of work (Residential vs. Commercial)

Experience and safety record

Tools and equipment inventory value

Number of employees

Vehicle usage and types of vehicles

Location

Additional information you should know

Contact BrokerLink for affordable coverage today

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