Plastering Contractor Insurance
Insurance tailored to plastering contractors, where wet materials and finished surfaces both carry risk.
What this coverage is intended to address
- ✓Bodily injury to third parties that may result from your plastering operations on a jobsite
- ✓Damage to a customer's flooring, fixtures, or finishes that may occur while mixing or applying plaster
- ✓Hawks, trowels, mixers, and other tools scheduled on the policy while stored, in transit, or on site
- ✓Completed-operations allegations, such as cracking or separation, raised after the work is finished
Coverage products commonly considered
Most plastering contractor operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A bucket of wet plaster is knocked over and stains a homeowner's hardwood floor, prompting a property-damage allegation — the policy is intended to respond in the event of a covered claim.
- Several months after an interior plaster job, the owner alleges widespread cracking tied to the application. Completed-operations coverage is generally intended to respond to allegations of this type.
Frequently asked questions
Does plastering insurance address cleanup and overspray damage?
Accidental property damage to a client's premises arising from your work is generally what a general liability policy is intended to address. Whether a particular incident is covered depends on the policy form and exclusions.
Do I need separate coverage for my tools?
Tools and equipment can often be scheduled under inland marine so they may be addressed on the jobsite or in transit. Limits and eligibility differ by carrier and state.
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