If a delayed shipment of wallpaper makes you miss a client's deadline, you could face a costly lawsuit. Business insurance helps pay for legal defense costs if a client sues your business for negligence. It protects against fires, injuries, and auto accidents, and may be required by laws and contracts.
With Insureon, paperhangers can compare quotes from top-rated insurance companies to find coverage that matches their risks and their budget.
A licensed agent will help you get the right coverage, giving you peace of mind and financial protection.
These insurance policies cover the most common risks faced by wallpaper contractors and businesses.
A general liability policy covers basic third-party claims, such as a client who trips over a bucket of adhesive and injures their back. It's often required for leases and contracts.
Also called a BOP, this insurance package bundles general liability coverage and commercial property insurance at a discount. It's the most cost-effective type of insurance if you have an office.
Most states require workers' comp for wallpaper companies that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
This policy helps pay for legal fees and damages if a wallpaper installer's vehicle is involved in an accident. Almost every state requires this coverage for vehicles owned by a business.
Tools and equipment coverage helps pay for repair or replacement of brushes, rollers, pasting tables, and similar items that travel to jobsites. It's a type of inland marine insurance.
This type of insurance coverage pays for legal costs when a contractor is sued for a paperhanging mistake or oversight. It's also called errors and omissions insurance (E&O).
A paperhanging contractor who works independently will pay less for insurance than a larger business.
Factors that can affect a contractor's insurance premiums include:
It’s easy to get paperhanging contractor insurance if you have your business information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. Small business owners can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find affordable insurance solutions for your wallpaper business, whether you work independently or hire employees.
Hear from customers like you who purchased small business insurance.
Review answers to frequently asked questions about paperhanging and wallpaper insurance and licensing.
In most cases, wallpaper hangers don't need a license, permit, or certification to do their work, other than a regular business license. However, it depends on the laws in your state and the type of projects you take on. Here are a few examples:
Paperhangers have different insurance needs depending on the specifics of their business, their work, and their contracts. You may want to consider these additional policies as part of your risk management strategy: