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How much does insurance cost for stucco and plastering contractors?
Stucco and plastering business insurance costs depend on the type of insurance, policy limits, deductibles, and factors such as your business's location and number of employees. Save money on business insurance by comparing quotes from different providers with Insureon.
Top stucco and plastering insurance policies and their cost
Here are the top stucco and plastering business insurance policies and their average monthly cost:
- General liability insurance: $89 per month
- Business owner's policy (BOP): $125 per month
- Workers' compensation insurance: $175 per month
- Contractor's tools and equipment insurance: $42 per month
- Commercial auto insurance: $268 per month
- Professional liability insurance: $67 per month
- Commercial umbrella insurance: $93 per month
- Surety bonds: $9 per month
Our figures are sourced from the median cost of policies for stucco and plastering contractors who apply for quotes with Insureon. The median offers a better estimate of what your business is likely to pay because it excludes outlier high and low premiums.
General liability insurance
Construction businesses, including stucco and plastering contractors, pay an average of $89 per month, or $1,069 annually, for general liability insurance, sometimes called public liability insurance. Some stucco and plastering businesses need proof of insurance for this policy to sign a commercial lease or a client contract.
A general liability policy can pay for medical expenses from third-party injuries, such as a client who trips over a ladder and breaks their leg. It covers costs if someone sues your business over a bodily injury, property damage, or advertising injury.
This is the average policy for contractors who buy from Insureon:
Premium: $89 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500
The cost of a general liability insurance policy depends on factors such as the coverage limits you choose, the size of your business, the amount of foot traffic you have, and any subcontractors or additional insured endorsements.
Learn more about how your premium is calculated and how to save money on your general liability policy.
Business owner's policy
Stucco and plastering contractors, as well as other construction businesses, pay an average of $125 per month for a business owner's policy, or $1,503 annually. Only small, low-risk businesses are eligible for a BOP.
A BOP is an insurance package that bundles two important types of coverage at a discount. It includes general liability coverage to protect against common lawsuits, and commercial property insurance to cover vandalism, theft, and property damage.
This is the average business owner's policy for a construction contractor who buys from Insureon:
Premium: $125 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500
The cost of a business owner's policy depends on factors such as the insurance options you choose, the size of your business, the amount of foot traffic you have, and the value of your business property.
Workers’ compensation insurance
Construction contractors, including stucco and plastering professionals, pay an average of $175 per month for workers’ compensation insurance, or $2,101 annually.
Workers' comp helps cover medical costs for work-related injuries and illnesses. Even when it's not required by law, self-employed contractors often buy this coverage for financial protection against job injuries, which personal health insurance could deny.
Most policies include employer's liability insurance, which covers the cost of lawsuits related to workplace injuries. There's usually no limit to how much a workers' comp policy can pay for employee benefits, though it depends on state laws.
The cost of a workers' compensation policy depends on factors such as the number of employees you have and the type of work they do. Learn more about how workers' comp costs are calculated and how to save money on your policy.
Contractor’s tools and equipment insurance
Construction contractors, as well as stucco and plastering businesses, pay an average of $42 per month for contractor’s tools and equipment insurance, or $505 annually.
Also called inland marine insurance, this policy covers your property whether it’s at a storage unit, in transit, or at a jobsite. Tools insurance can pay for lost, stolen, or damaged tools and equipment, such as mixing drills, hawks, trowels, stucco sprayers, and more.
The cost of contractor's tools and equipment coverage depends on the value of your tools and equipment and the type of work you do. Items valued at over $2,500 may need to be scheduled separately on the policy.
Get free stucco and plastering insurance quotes from top U.S. providers
Commercial auto insurance
Stucco and plastering contractors, in addition to other construction businesses, pay an average of $268 per month, or $3,212 per year, for commercial auto insurance.
Most states require this coverage for vehicles owned by a stucco and plastering company. For personal, rented, and leased vehicles used by your business, look to hired and non-owned auto insurance (HNOA) instead.
Commercial auto insurance covers financial losses in the event of an accident involving your business vehicle. It can help pay for property damage, medical bills, and legal expenses. When buying a policy, you'll need to make sure your coverage limits match the requirements in your state.
The cost of a commercial auto policy depends on your coverage needs, the value of the vehicle, and your insurance claims history. Learn how insurers calculate your premium and how to save money on your commercial auto policy.
Professional liability insurance
Contracting businesses, including stucco and plastering professionals, pay an average of $67 per month for professional liability insurance, or $808 annually. Stucco and plastering contractors can often add this coverage to general liability insurance for a discount, with the bundle costing an average of $150 monthly.
Professional liability insurance covers legal fees related to professional negligence, such as tracking plaster onto antique furniture. It's sometimes called errors and omissions insurance or E&O insurance.
This is the average coverage and pricing for contractors who buy from Insureon:
Premium: $67 per month
Policy limits: $1 million per occurrence; $1 million aggregate
Deductible: $1,000
The cost of professional liability insurance depends on factors such as the coverage limits you choose, the size of your business, and the stucco and plastering services you offer. Find out how insurers set professional liability premiums and how to save money on your policy.
Commercial umbrella insurance
Stucco and plastering contractors, as well as other construction businesses, pay an average of $93 per month, or $1,111 annually, for commercial umbrella insurance. You can buy this policy to boost the limits of your underlying general liability, commercial auto, or employer's liability insurance.
Umbrella insurance provides an additional safeguard and helps stucco and plastering professionals meet contractual demands for higher limits. When the underlying policy reaches its limit, commercial umbrella insurance activates to cover any costs over that limit.
The cost of commercial umbrella insurance depends primarily on the amount of coverage you purchase.
Surety bonds
Construction contractors, including stucco and plastering businesses, pay an average of $9 per month, or $112 annually, for a surety bond.
A surety bond reimburses your client if you're unable to fulfill the terms of a contract or other agreement. You may need a surety bond to get a contractor's license for certain types of work.
The cost of a surety bond primarily depends on the size of the bond.
Key factors influencing policy costs
Your insurance provider calculates your stucco and plastering insurance premiums based on several factors, including:
- Types of projects: Higher-risk projects, such as those in commercial structures, will have more costly premiums than lower-risk projects, such as those in residential homes.
- Business size: The more employees or subcontractors that are on staff, the more opportunities there are for accidents to happen or for potential damage to occur to someone else's property.
- Annual revenue and payroll: The more your company makes in a year and the more you pay your employees or subcontractors, the higher your premium will cost. That’s because increased revenue and payroll mean a greater exposure to potential risks on the job.
- Business equipment and property: Higher-value items are more likely to result in more expensive premiums than lower-cost items. Items that are used more frequently also tend to cost more to cover than infrequently used items.
- Years of experience: Stucco and plaster contractors with more experience working in the field will tend to pay lower premiums than newer businesses due to lower associated risks.
- Location: Stucco and plaster contractors that perform work in areas prone to natural disasters, increased foot traffic, or high crime rates may have to pay more costly premiums than those with jobs located in areas where these factors are less present.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles will typically increase premium costs, while lower limits and a higher deductible can help keep insurance rates low.
- Claims history: A stucco and plaster contractor with a lengthy list of previous insurance claims will likely pay more for insurance than a company with no claims history.
How do I get stucco and plastering business insurance?
Insureon can help you find affordable stucco and plastering contractor insurance in three easy steps:
- Fill out a free online application with details about your business.
- Compare custom quotes from top-rated U.S. insurance providers.
- Select a policy and pay the premium to begin coverage.
A licensed agent will help make sure your insurance matches your business risks, budget, and state requirements. Once you've bought a policy, you can download a certificate of insurance (COI) for proof of coverage. Most small businesses can get covered within 24 hours of applying for quotes.
What our customers are saying
Updated: August 12, 2026
The average costs on this page were derived from our data on small business owners in the stucco and plastering field who purchased policies through Insureon. Most of our customers have less than five employees, annual revenue ranging from around $50,000 to more than $200,000, and five years or less in business.
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