Working in drywall and painting means being on job sites every day, often in homes, offices, or construction projects that aren’t your own. A single accident—like paint spilling on expensive flooring, drywall dust damaging equipment, or an employee falling off a ladder—can result in big costs. Insurance acts as a safety net. It protects your business from lawsuits, unexpected bills, and financial loss so you don’t have to cover these expenses out of pocket. Beyond protection, having the right insurance also builds trust with clients who want to hire contractors that are professional and reliable.
The coverage you need depends on the type of projects you take, but drywall and painting contractors typically benefit most from:
General Liability Insurance – This covers accidents like paint dripping on a client’s carpet, drywall falling and damaging furniture, or a visitor tripping over your equipment.
Workers’ Compensation Insurance – If an employee gets injured lifting drywall or falls from scaffolding, workers’ comp pays for their medical bills and lost wages.
Commercial Auto Insurance – Many contractors rely on vans or trucks to move crews and tools. If you get into an accident while driving for work, personal auto insurance usually won’t cover it.
Commercial Property Insurance – Protects your tools, ladders, sprayers, and other equipment from theft, fire, or damage.
These policies work together to cover the real risks you face every day.
This depends on the type of mistake. General Liability Insurance usually covers accidents—for example, if your crew accidentally damages a client’s property. However, if the issue is poor workmanship (like uneven drywall seams or peeling paint because of improper prep), that usually isn’t included. Some contractors add Errors & Omissions coverage, which can help if a client claims your work didn’t meet professional standards. Talking with NIS ensures you get the right mix of policies for your business.
Yes. In Florida, any business in the construction industry (which includes drywall and painting) must carry workers’ compensation insurance if they have even one employee. This protects not only your employees but also your business from heavy fines and penalties. Even if you hire subcontractors, you may still be held responsible if they don’t have proper coverage. Having workers’ comp in place keeps you compliant, prevents costly legal issues, and shows your team that you value their safety.
There’s no one-size-fits-all price. Costs vary depending on your payroll, number of employees, vehicles, and coverage limits. For example, a small drywall business with just one truck and a helper will pay much less than a painting company with a fleet of vehicles and ten employees. NIS specializes in creating customized insurance solutions so you’re not overpaying for coverage you don’t need. When you request a quote, we’ll look at your exact situation and design a plan that fits your budget while keeping you fully protected.