Plastering Contractor Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Plastering contractor insurance is a specialized commercial insurance that’s intended for plastering contractors. In order to protect against both property and liability risks, most of these policies come as package policies that let contractors choose from a range of available protections.

Most drywall installers and plastering professionals in Massachusetts ought to carry this type of insurance. Not having insurance in place can leave professionals and businesses financially devastated if something happens, and plastering contractor policies usually have the coverages that these businesses need.

Commercial General Liability Coverage
Commercial Auto Coverage
Hire and Non-Owned Auto Coverage

What is Plastering Contractor Insurance?

Working as a plastering contractor can be a profitable endeavor, but it’s one that comes with certain risks. Plastering contractors in Massachusetts are often exposed to both property and liability risks, but plastering contractor insurance can help mitigate many of these.

Who in Massachusetts Needs a Plastering Contractor Policy?

Additionally, lathing, soundproofing and firestop contractors might also find that plastering contractor policies meet their needs well. Professionals who do this sort of work can speak with an insurance agent who specializes in plastering contractor policies to find out whether an available policy indeed is suitable for their situation.

What Coverages Do Plastering Contractor Policies Offer?

Depending on a plastering contractor policy’s terms, it might make a number of different coverages available. Some of the more common ones are:

Commercial General Liability Coverage, which may extend coverage to common accidents that result in injury to others or damage to their property
Commercial Auto Coverage, which may extend coverage to company-owned vans and trucks
Hire and Non-Owned Auto Coverage, which may extend coverage to personal vehicles that employees drive for work
Employment Practices Liability Coverage, which might extend coverage to situations where an employee is treated illegally
Umbrella Coverage, which might extend coverage by offering supplemental protection for especially expensive lawsuits
Commercial Property Coverage, which might extend coverage for facilities, equipment and supplies
Inland Marine Coverage, which might extend coverage for equipment and tools to times when they’re transported between locations

Businesses that maintain an official office or storage facility might also want extra expenses coverage. If a facility is damaged and made unusable in a disaster, this coverage may help pay rental fees for another place.

TESTIMONIALS

Customers Love Us

When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

Kelly Ilebode

Boston, MA

Do Plastering Contractors Need to Insure Tools Left at Job Sites?

Tools that are left at job sites generally should be insured against theft, but plastering contractors typically don’t need to worry about getting a coverage for this risk. The risk normally falls under builders risk coverage, and many general contractors carry this protection. When a general contractor hires a plastering contractor, any builders risk coverage that the general contractor has usually also applies to the plasterer’s equipment for the duration of the project.

Do Plastering Contractors Need to Insure Against Job-Related Injuries?

Workers compensation is the coverage that normally protects against job-related injuries. The protection usually pays medical expenses and a portion of an employee’s lost wages when there’s a qualifying injury.

Because injuries can be costly, most plastering contractors ought to carry workers compensation coverage. Contractors who have employees are likely required by state law to provide the protection, and self-employed contractors might still want the protection even if they don’t legally need to carry it. In some situations, workers compensation might cover injuries that are excluded by a health insurance policy.

How Can Plasterers in Massachusetts Get Plastering Contractor Insurance?

If you need plastering contractor insurance and work in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents will compare quotes from several insurance companies with you, and they can help you select whichever policy best meets your business’ needs.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.