Protect your business and meet your legal requirements

Your drywall and insulation business builds the backbone of homes and commercial spaces across Ohio. Unfortunately, one surprise expense (like damage to a client's home or a worker who develops respiratory issues) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This guide breaks down:

Ohio's required coverages
The most recommended protections
Some typical costs of drywall contractor insurance
How to save with fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you have a lot going on!)

Drywall and insulation contractors face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for contracting companies saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance is often required by your contracts, and covers damages or injuries caused by your business as well as advertising-related claims.
Contractor property insurance covers damages to your office or warehouse from fire, theft and other surprise threats.
Workers’ compensation is mandatory in Ohio if you have employees and must be purchased through the Ohio Bureau of Workers' Compensation.
Contractors tools and equipment covers damages from fire, theft & more to the important gear you bring to jobs.
Commercial auto is required in Ohio to cover damages caused by the vehicles you use for transport or hauling.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!

FIVE BEST COVERAGES FOR OHIO DRYWALL AND INSULATION CONTRACTORS:

Here are five essential coverages every contracting business like yours should consider to stay protected and profitable:

1. Business Owner's Policy

A Business Owner’s Policy (BOP) for drywall and insulation contractors is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing businesses. Your BOP typically includes:

GENERAL LIABILITY FOR CONTRACTORS Covers legal and medical costs if a client or other non-employee is injured or their property damaged by your business. It also protects you from advertising-related claims. Though Ohio doesn't mandate this coverage, many of your contracts will. Examples:

A client trips over a tool and suffers an injury on the jobsite.
Your crew accidentally damages a customer’s HVAC system while installing insulation.
A subcontractor sues over alleged advertising infringement.

CONTRACTOR PROPERTY INSURANCE Helps repair or replace the property you don't take to jobs if disaster strikes – like fire, theft, or vandalism. This includes:

Your office or warehouse
Furniture and inventory
Equipment that doesn't move

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.

Ohio drywall contractors have paid around $800 a year to purchase general liability by itself and around $500 a year to bundle it in a Business Owner's Policy with other important coverages. Ready to get your free quote now and see how much you can save on this and other protections you may need? CLICK HERE

2. Workers' compensation (required in Ohio through a state bureau)

Ohio mandates workers’ compensation insurance for all businesses with employees. This is one coverage you can't purchase through a regular insurance carrier but must apply for through the Ohio Bureau of Workers' Compensation (BWC). A Mylo agent can give you all the details. Workers' Comp covers medical expenses and lost wages for employees injured on the job – and protects you from most employee lawsuits. Examples:

An installer falls from scaffolding and breaks a leg.
A worker develops respiratory issues from insulation dust exposure.
A crew member strains their back lifting drywall sheets.

3. Commercial auto (required in Ohio)

If you use company-owned or personal vehicles to transport materials, tools or employees, Ohio requires commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property
Can also pay for physical damage to your vehicles (optional)

4. Contractors tools and equipment insurance

This helps contracting businesses like yours protect the valuable tools and equipment they bring to jobs. If yours are damaged or stolen while in transit or on a job site, this must-have coverage can repair or replace them. Examples:

A fire damages your insulation blower and drywall lift
Your generator hits the side of a swaying trailer and parts are broken
A jobsite theft results in missing pipe cutters and welding tools

5. Commercial umbrella insurance for contracting companies

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies like your general liability reach their limits, which helps you protect your company's financial assets.

THE BEST INSURANCE FOR DRYWALL AND INSULATION CONTRACTORS IN OHIO

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and connected small business owners with 100,000+ policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Ohio – at no cost to you.

In minutes Mylo will:

Recommend the right coverage for your Ohio drywall company
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

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The right coverage for you? Surprisingly simple.

Ready to untangle another tricky topic?

Protect what matters: your business

Why business insurance? That’s easy – it’s designed to keep you in business. When certain losses come along, you can dodge bankruptcy and stay on top of your game.

Who pays for employee car accidents?

When employees get into accidents while driving their own cars at work, who pays? Learn about the tricky intersection between commercial and personal auto.

When should I shop for a BOP?

Good news: if you’re a BOP holder, you always get the “special” top tier of business insurance. You’re platinum, baby! Learn more benefits & options.