What could go wrong?

Here are the claims drywall and insulation contractors see most often: dust damage to furnishings, debris trips, and property damage in occupied homes. Homeowners, property managers and GCs routinely ask for a certificate before work starts. If your business is found negligent, medical bills or repair costs can land on you.

A class Coterie knows

Drywall and Insulation Contractors ranks #29 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Choosing your coverage

General liability: General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

Business owner’s policy: A BOP can protect office property, and contractor tool coverage can be added at higher limits.

Eligibility notes for drywall and insulation contractors

Contractor eligibility is capped at $5M in revenue and 15 employees. General contractors, paper contractors, firms with subcontractor costs over half of revenue, equipment rental to others, and exterior work above three stories are outside the appetite. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals.

Service built for small business

Coterie’s process is fully digital. Quotes and binding happen in minutes, certificates are issued on demand, and real people answer the phone when you have questions. Policyholders also get Manage My Risk, Coterie’s free risk assessments, safety guides and compliance checklists.

All coverage is subject to underwriting and availability.

Ready for a quote? Quote and bind with Coterie online

Have questions first? Call America Insurance Brokers to talk with an AIB agent about coverage for Alabama drywall and insulation contractors.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama drywall and insulation contractors.