Paperhanging Insurance

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A paperhanging contractor's jobsite with a stepladder and striped wallpaper.
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Why do paperhanging contractors need insurance?

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.

A paperhanging contractor applies adhesive to the back of wallpaper.
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Find affordable insurance

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.

What types of insurance do paperhanging contractors need?

These insurance policies cover the most common risks faced by wallpaper contractors and businesses.

General liability insurance icon

General liability insurance

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.

BEST FOR
  • Client bodily injuries
  • Accidental damage to client property
  • Harm caused by wallpaper products
Business owner’s policy icon

Business owner's policy

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.

BEST FOR
  • Accidents that injure clients
  • Client property damage
  • Damage to your building or its contents
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

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.

BEST FOR
  • Property damage caused by a work vehicle
  • Medical costs if another person is injured
  • Vehicle vandalism and theft
Tools and equipment coverage icon

Contractor’s tools and equipment insurance

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.

BEST FOR
  • Tools valued at under $10,000
  • Equipment less than five years old
  • Items stored off-site
Professional liability insurance icon

Professional liability 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).

BEST FOR
  • Installation of wrong design
  • Misalignment of wallpaper
  • Failure to finish a project on time
Looking for different coverage? See more policies.

How much does insurance cost for paperhanging businesses?

Construction contractor calculating insurance costs.

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:

How do I get paperhanging insurance?

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:

  1. Complete a free online application.
  2. Compare insurance quotes and choose a policy.
  3. Pay for your policy and download a certificate.

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.

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FAQs about insurance for paperhanging contractors and wallpaper installers

Review answers to frequently asked questions about paperhanging and wallpaper insurance and licensing.

Do paperhanging contractors need a license or certification?

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:

  • You might need a contractor's license. In some states, you'll need a contractor's license to work on higher value painting and paperhanging projects. For example, in Alabama you need a painting and wall covering license for projects valued over $50,000.
  • You might need a building permit. State laws determine when you need a building permit for a project. New construction and home renovation often require a permit.
  • You might need a lead abatement certificate. If you work in buildings that were built before 1978, then you likely need to be certified in lead abatement, either through your state or through the Department of Environmental Protection (EPA).
  • Licenses and certifications help you win contracts. Even when it's not required, a license or certification can help raise your business above the competition when trying to get a contract or win a bid. Some contracts may even require it.

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:

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