Why do stucco and plastering contractors need insurance?
When you work in someone else's home or office, it always brings risk. A worker could track plaster onto an antique rug, or a customer could trip over a ladder and suffer an injury. Stucco and plastering contractor insurance can pay for property damage, medical bills, and legal costs. It helps small businesses survive accidents and lawsuits, and comply with state laws.
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What types of insurance do stucco and plastering businesses need?
These insurance policies cover the most common stucco and plastering risks.
General liability insurance
This policy covers everyday stucco and plastering risks, such as accidental floor or wall damage. Bundle it with commercial property insurance for savings in a business owner’s policy.
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for stucco and plastering businesses.
- Accidents that injure clients
- Client property damage
- Damage to your building or its contents
Workers’ compensation insurance
Most states require workers' comp for stucco and plastering businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This policy covers bodily injuries and property damage in accidents involving stucco and plastering company vehicles. Each state has its own requirements for auto liability coverage.
- Property damage caused by your vehicle
- Injuries caused to another person
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This policy helps pay for repair or replacement of a contractor’s plastering hawks, sanders, stucco sprayers, and other tools. It's a type of inland marine insurance.
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Professional liability insurance
Professional liability insurance covers legal costs when a stucco and plastering company is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
- Accusations of negligence
- Failure to finish a project on time
- Undelivered services
How much does stucco and plastering insurance cost?
A stucco contractor who works independently will pay less for insurance than a larger company.
Average stucco and plastering contractor insurance costs include:
- General liability: $89 per month
- Tools and equipment: $42 per month
- Workers' comp: $175 per month
Factors that affect premiums include:
- Services offered, such as residential or commercial work
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get stucco and plastering business insurance?
It's easy to get plastering and stucco business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable coverage that fits your plastering business, whether you work independently or hire employees.
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