For a small drywall contractor, general liability typically runs $600 to $2,400 a year in 2026. Solo residential work sits at the low end. Add commercial jobs, a crew, and workers' comp, and a full program lands around $5,000 to $15,000 or more depending mostly on payroll. Drywall is one of the cheaper trades to insure.
We build and rank websites for trades; we don't sell insurance. So this is the straight version — what each policy covers, what moves the number, and where you can stop paying for coverage you don't yet need.
Covers property damage — drywall dust into HVAC systems, a punctured pipe behind a wall, water damage from a wet sand-down — plus third-party injury. The core policy and the one general contractors require before they let you on a job.
Covers your work truck or van carrying sheets and tools. A personal policy usually won't cover an accident while you're working, so business use needs its own coverage.
Required in most states once you have employees. Lifting heavy board and overhead work create back and shoulder claims, so the class rate is moderate. It's priced per $100 of payroll and is usually the biggest line for a crew.
An inland marine rider covering lifts, screw guns, and stock against theft from the site or truck. Cheap, and worth it once you carry real equipment.
Drywall doesn't need a heavy program to start. Keep it lean when:
Even so, carry general liability from day one. One drywall-dust claim in a finished home can cost more than years of premium, and the certificate is what gets you on commercial jobs.
Coverage protects the jobs. Finding them is the other half. We build drywall and finishing sites that turn searches into quote requests, with AI lead capture that answers after-hours callers and a form that catches the residential and GC leads you'd otherwise miss. Plans start at $249/month with a free working demo in 48 hours, and you own the site.
See drywall website design, drywall advertising, SEO for contractors, SEO for home services, or the broader contractor insurance cost guide.
We don't post stock testimonials. On a 15-minute call we screen-share the real dashboards behind our own businesses — live leads, rankings, and the exact page that produced each one. See the proof →
Often $600 to $1,200 a year for general liability on residential work with a clean record. Commercial accounts and a crew raise it.
Usually yes, as third-party property damage — drywall dust drawn into HVAC or settling on finished surfaces is a classic claim. Confirm your policy doesn't carve out pollution-style exclusions.
Keep claims off your record, bundle policies, pay annually, and match your limits to what contracts require rather than over-buying. Three quotes from trade-savvy carriers usually finds the gap.
Send your company name and metro — we'll build a working demo within 48 hours. Free, no card, no commitment.
Prefer email? [email protected]