Drywall contractors build the interior structure of Colorado homes and commercial spaces, but the work comes with serious risks—from fall hazards and injuries to material theft and structural defects.
Without proper insurance, one workplace accident or legal dispute could lead to financial disaster. Here’s what Colorado drywall contractors need to know about coverage, industry risks, and real-world claims.
The Biggest Risks for Drywall Contractors in Colorado
🏗 Injury from Lifting & Installing Heavy Sheets – Drywall installation requires lifting, drilling, and working at heights, leading to back injuries and falls.
🔩 Faulty Installations & Structural Issues – A poorly installed drywall job can crack, warp, or collapse, leading to customer lawsuits.
🚚 Work Vehicle Accidents – Transporting drywall sheets, ladders, and tools increases the risk of work truck collisions.
🔧 Tool & Material Theft – Drywall contractors rely on expensive drills, joint compound, and cutting tools, which are often stolen from job sites.
💡 Real Case Study: A drywall contractor in Fort Collins was sued for $80,000 when cracked drywall panels led to costly repairs for a luxury home. Professional liability insurance covered the legal fees.
Essential Insurance for Drywall Contractors
✔ General Liability Insurance – Covers property damage, injuries, and lawsuits related to drywall work.
✔ Workers’ Compensation – Required in Colorado for drywall crews and apprentices.
✔ Professional Liability Insurance – Covers faulty installations and structural issues.
✔ Tools & Equipment Coverage – Protects saws, drills, and taping tools from theft.
✔ Commercial Auto Insurance – Covers vans and trucks used to transport drywall materials.
💡 Did You Know? Some Colorado commercial projects require drywall contractors to carry at least $1M in general liability insurance before signing a contract.
How to Reduce Insurance Costs for Drywall Contractors
🔹 Use drywall lifts to minimize back injuries.
🔹 Keep power tools locked up when not in use.
🔹 Bundle policies to lower general liability and workers’ comp costs.
Final Thoughts
A single drywall defect or injury could result in expensive claims, but the right insurance keeps your business safe and profitable.
