The drywall industry is facing tighter margins, supply chain disruptions, and a shift toward large-scale commercial projects like warehouses and data centers. With rising material costs and increased liability risks on complex job sites, drywall contractors must be more proactive than ever about protecting their businesses. Having the right contractors insurance in place is essential to managing today’s challenges and staying competitive in a demanding market.
Why Basic Liability Isn’t Enough
For many contractors, general liability is the first coverage they secure — and for good reason. It covers third-party property damage and bodily injury. But that alone doesn’t go far enough. General liability won’t pay for employee injuries, damaged equipment, or the cost to fix mistakes. Drywall work combines physical labor, moving job sites, and unpredictable environments. Those realities demand a broader insurance strategy built around real-world exposures.
Must-Have Coverages to Include
Your drywall business should consider the following coverages in its insurance portfolio to help guarantee comprehensive protection:
Workers’ Compensation Insurance
From back strains to ladder falls, jobsite injuries happen. Workers’ comp helps cover medical care and lost wages and is required for most Missouri employers.
Commercial Auto Insurance
If your vehicles are transporting crews and equipment, you’ll need more than a personal auto policy. Commercial auto covers vehicle damage and liability while on the job.
Property Insurance
Fires, storms, and theft can upend your operations if you’re not prepared. Property insurance protects your warehouse, office, or storage, but typically only at fixed locations.
Contractors Equipment Insurance and Installation Floater
Equipment and materials don’t stay in one place. An inland marine policy covers tools in transit or on-site. Meanwhile, an installation floater adds coverage for materials like drywall before they’re installed and secured.
Business Interruption Insurance
If a fire or other covered loss forces a temporary shutdown, this policy helps cover lost income while you recover and rebuild.
At ISU Sine Insurance, we help drywall professionals across Missouri customize policies that reflect the demands of their trade, whether you’re focused on residential remodels or commercial builds.
How ISU Sine Supports Drywallers
Drywall work may look straightforward, but it comes with serious risks. Dust inhalation, electrical hazards, and falls from scaffolding are just a few of the exposures your crew faces every day.
Since 1991, ISU Sine Insurance has helped Missouri contractors safeguard their operations, not just to stay compliant, but to protect what they’ve built. We tailor coverage to your job type, equipment, and crew size, and adjust as your business evolves.
Smart Contractors Insurance Coverage for a Demanding Trade
Drywall is a trade built on precision and timing. One accident — on-site or on the road — can disrupt your entire schedule. A strong contractors insurance policy helps absorb those setbacks, so you can stay focused on the job ahead.
Contact ISU Sine Insurance to discuss your coverage needs. We’ll help you build a plan that protects your team, your tools, and your business every step of the way.
About Sine Insurance
At Sine Insurance Group, we are dedicated to providing you with custom-tailored insurance policies to protect your assets. Our comprehensive packages have been expertly crafted to serve St. Louis and the surrounding areas for the past 25 years. For more information about our products, contact us today at (855) 700-0889.