Insurance for Ceiling and Wall Installers

Ceiling or Wall Installation - Metal
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Why do ceiling and wall installers need business insurance?

Your work can place you in dangerous situations. In addition to employee injuries, a client could trip on your toolbox, or a contractor could break a window while carrying a ladder. Business insurance helps pay for unexpected costs, including medical bills, legal expenses, and repairs.

Contractor installing ceiling tiles in a building.
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Find the right coverage

Insureon helps ceiling and wall installers find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right coverage for your small business.

What types of insurance do ceiling and wall installation contractors need?

These policies cover the most common risks of ceiling and wall installation.

General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as ceiling work that damages a client's furniture. It's often required for a commercial lease.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for ceiling and wall installers to buy general liability coverage and commercial property insurance together.

  • Accidental damage to customer property
  • Customer injuries
  • Business property damage
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for ceiling and wall installation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

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

Commercial auto insurance

This policy covers bodily injuries and property damage involving a vehicle owned by a ceiling and wall company. Most states require this coverage for business-owned vehicles.

  • Medical bills from an auto accident
  • Property damage caused by your vehicle
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a ceiling or wall installation contractor’s screw guns, levels, and other tools if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Cyber liability icon

Cyber insurance

Cyber insurance helps cover the cost of a data breach or cyberattack at your ceiling or wall installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber incident investigations
Looking for different coverage? See more policies.

How much does insurance cost for installation businesses?

Installation professional calculating insurance costs for their business.

A small installation business with a few workers will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Installation services offered
  • Business property and equipment
  • Business revenue
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get ceiling and wall installation business insurance?

It's easy for ceiling and wall contractors and businesses to get insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You 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 policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your wall and ceiling business, whether you work independently or hire employees.

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