Stucco & Plastering Insurance: Cost & Quotes from $11/month

As a stucco or plastering professional, you are contracted to provide a beautiful and durable finish to the property. Your clients entrust you with their property expecting that you will apply the material to interior walls, ceilings, and partitions of buildings to produce the desired outcome. It is expected that you comply with the blueprints, architect's drawings, or instructions to successfully finish the project.

But as with masonry contractors, paving contractors, roofing contractors, general contractors, and other related businesses, you face risks on each project.

For starters, working as a plasterer includes working at heights, meaning either your employees could slip or fall; thus suffering serious injury or even death. Further, you, an employee, the client, or a member of the public might be injured by falling objects or other work tools. Finally, given the nature of plastering, everyone on the site is susceptible to electrocution, exposure to severe climatic phenomena, or injuries due to the lifting and transfer of bulky loads.

Evidently, you are going to need plastering contractors insurance. Think of plastering insurance policies as a cushion for your business, especially when it’s just starting to pick pace. These ensure that your business still lands on its feet even when the unexpected happens.

Overall, given the risk inherent in the trade, you cannot afford to not invest in plastering business insurance.

Liability Insurance for Plasterers

Accidents do happen, even to the most experienced contractors. In the event that an accident unfolds, chances are that you will end up in a legal battle. In worst-case scenarios, you could be found and held liable for resulting injuries or damages. The consequence is often mounting legal fees as well as skyrocketing costs associated with medical bills and repairs to damaged properties.

Seeking as there's significant risk associated with being stucco or plastering professional, it is important to protect yourself and your business with liability insurance for plasterers, particularly general liability, public liability, and professional liability insurance.

General Liability Insurance for Plasterers

CoverWallet NEXT (Best)Thimble Hiscox
Per occurrence limit $1,000,000$300,000/$1,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Aggregate limit $2,000,000$300,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Products and completed operations aggregate limit $2,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $1,000,000
Waiver of subrogation included?YesNoIncludedCan be included
Hired/non-owned auto liability coverage included?YesNoExcludedCan be included
Equipment breakdown floater included?No YesYesCan be included
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes


The first liability policy for plastering professionals you ought to get is general liability insurance. This plastering insurance policy covers the majority of the risk that you'd be susceptible to, such as:

  • Premises Liability-Suppose a client visiting your warehouse to check out your inventory trips over a misplaced tool and breaks a bone. You would be responsible for settling the cost of any medical bills associated with said injury. General liability insurance is the plasterers liability insurance that can cover the medical treatment expenses if a claim is filed

  • Property Damage-If work-related accidents damage a client's property, general liability insurance can provide reimbursements or refunds on your company’s behalf 

  • Bodily Injury-Tools, power cords, and other plastering materials could cause injury to your client or a member of the public. When this happens, you could be held liable for arising medical fees. The commercial general liability policy steps in covering these medical fees and all legal costs


Just like the general liability policy of tile contractor, drywall contractor, waterproofing contractor, and siding contractor insurance programs, the general liability policy of plasterers insurance plans doesn’t only cover claims for property damage, bodily injuries, and accidents within the business premises. The following optional policies can be added to cover less common plastering and stucco insurance claims:

  • Environmental impairment liability- As you dispense your service, you are going to end up having to deal with the removal, transport, and disposal of waste and old debris. While doing this, you are required to be in adherence to all EPA and other regulatory standards. Unfortunately, you might miss a few of these, which could likely end up with you being sued

  • Product liability- Consider this. You work on the scaffolding only for it to develop cracks and crumble. This would mean extra expenses for the client, who could sue you for the financial loss they've suffered. General liability insurance with product liability coverage can help in this situation

Public Liability Insurance for Plasterers

Public liability insurance is another type of business insurance for plasterers that covers claims for bodily injuries or property damage. Here in the USA, it’s rare to find public liability insurance for self-employed plasterer as a stand-alone policy as it’s sold as a part of general liability insurance. But if you do manage to find public liability insurance for plasterers from US commercial insurance companies, then expect that you’ll only get the minimum level of liability coverage. 

Professional Liability Insurance for Plasterers

CoverWallet NEXT Thimble (Best)Hiscox
Per occurrence limit $1,000,000$25,000$1,000,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$50,000$1,000,000/$2,000,000$1,000,000
Name additional insureds?YesYesYesYes
Waiver of subrogation included?YesNoYesCan be included
Deductible $500$500$500$50/$10,000


Other than commercial general liability insurance for plasterers, consider including a professional liability policy to your plastering contractors insurance program. Also sold as errors & omissions (E&O) coverage, this policy covers these perils:

  • Business mistakes

  • Accusations of negligence

  • Missed deadlines

  • Breach of contract


As for the expenses covered, professional liability insurance take care of the following:

  • Reimbursement for the claimant’s financial losses or pain and suffering

  • Legal defense costs

  • Court judgments


Note that you can add a defective workmanship floater to professional liability insurance. Defective workmanship coverage will cover settlements and legal fees if a client accuses your work of being defective or substandard. 


Tools and Equipment Coverage for Plastering Contractors

NEXT (Best)ThimbleHiscox
Aggregate limit$3,000/$10,000$2,500/$5,000$5,000/$25,000
Covers hired and borrowed equipment?$5,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes

As a plasterer, you rely on brushes, scourers, plaster sprayers, and hoisting equipment. If any harm were to come to these, including theft, damage, vandalism, or fires, you are likely to experience some downtime. 

That's why you need tools and equipment coverage. Use the table above to compare the tools and equipment coverage of companies we recommend for plastering contractors. 

This policy covers the cost of repair or replacement of any of your tools or equipment. This means you can be up and running as fast as possible, thus preventing any unnecessary downtime.

Compare Cheap Stucco & Plastering Insurance Quotes Online

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Commercial Property Insurance for Plastering Contractors

CoverWalletNEXT (Best)HiscoxThimble
Building coverage limit (minimum)$50,000$25,000$25,000$25,000/$500,000
Contents coverage limit (minimum)$50,000$25,000$25,000$25,000/$500,000
Outdoor signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcludedIncluded$5,000/$10,000
Money and securitiesExcluded$2,500Included$1,000
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcludedExcluded$10,000
Employee dishonesty floaterExcluded$5,000Included$2,500

If you own an office or any other small commercial space where tools and kept and clients are admitted, then don’t leave it uninsured. Fires can happen anytime and you’ll surely face a lot of losses

Purchasing commercial property insurance is the most effective way to protect your plastering business’s building. Use the table above to compare the commercial property policy of companies we recommend for commercial plastering insurance. 

This business insurance for plasterers will provide reimbursement for losses and help you continue if the office, warehouse, or any other building you own, rent, or lease gets damaged or destroyed by:

  • Fire

  • Theft

  • Vandalism

  • Malicious mischief

  • Aircraft

  • Vehicle

  • Lightning

  • Weather

Business Owner’s Policy for Plastering Contractors

CoverWalletThimble NEXT (Best)Hiscox
General liability aggregate limit $2,000,000$1,000,000/$2,000,000$300,000/$1,000,000$300,000/$2,000,000
Commercial property coverage limit $50,000$500,000$25,000$25,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes

A business owner’s policy is a two-in-one plastering contractors insurance. This insurance is made by combining general liability and commercial property insurance. 

That said, if you get a business owner’s policy, you automatically get coverage for liabilities and commercial losses. 

The premiums for a business owner’s policy is cheaper than when you bought commercial property and general liability insurance separately. Buy this and you’ll enjoy 10%-25% policy bundle discounts. 

Commercial Auto Insurance for Plastering Contractors

Do you own and use a vehicle to go to different plastering projects? If this is the case, then your plasterers insurance program can be added with a commercial auto policy. 

Commercial auto insurance takes care of the unfortunate accidents that happen while you’re driving a cargo van, flatbed truck, or any other commercial vehicle to go to or depart from a plastering project. Here are its specific functions:

  • Cover the medical treatment of affected third parties when you cause a vehicular accident

  • Pay for the replacement or repair of parts if your commercial vehicle sustained damage because of theft, fire, vandalism, weather, and other covered perils

  • Cover your medical expenses if you get involved in an accident caused by an uninsured/underinsured driver

Note that you can insure several vehicles in one commercial auto insurance policy. You can even use this plasterer insurance to cover trailers and other attachments to the commercial vehicle. 

Workers’ Compensation Insurance for Plastering Contractors

If an employee was injured while at a job site, you would be expected to cover the costs of said injuries. That's why you need workers' compensation insurance. This policy pays for the following:

  • Medical expenses

  • Lost wages

  • Retraining

  • Permanent injury

  • Death benefits


You want to discuss adding on employer liability coverage to your workers' compensation policy. The employer liability coverage pays any arising costs in the event that the employee sues your business for negligence after experiencing a work-related injury or disease. 

Employee Crime and Dishonesty Coverage

Given the nature of the trade, you and your employees will have full access to a client's property. Unfortunately, you cannot be entirely certain that your employees won't steal from the client or engage in other dishonest activities.

As such, you want to purchase employee crime and dishonesty coverage. This means that if any of your employees were to be engaged in theft, dishonesty, or any other fraudulent act, your business would still remain protected.


Flood and Hurricane Insurance

If you run your stucco or plastering business at a location prone to floods or hurricanes, then you ought to purchase flood or hurricane insurance. Note that in most instances, even a comprehensive commercial property policy will not cover any floods or hurricane damage to any plastering work done.

EIFS Contractor Insurance

Per occurrence limit $1,000,000$300,000/$1,000,000$1,000,000/$2,000,000$2,000,000
Aggregate limit $2,000,000$300,000/$2,000,000$1,000,000/$2,000,000$2,000,000
Products and completed operations aggregate limit $2,000,000

Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit 
Waiver of subrogation included?YesNoYesCan be included
Hired/non-owned auto liability coverage included?YesNoNoCan be included
Equipment breakdown floater included?No YesYesCan be included
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes

If you work with EIFS and stucco, then go for an EIFS and stucco insurance package. This consists of general liability, professional liability, and other policies we mentioned here (though some might be excluded. The table above shows the features of the general liability insurance of companies that sell EIFS stucco insurance. 

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Plastering Insurance Cost

Cost per MonthCost per YearDeductible
General liability insurance$54$648$0-$500
Professional liability insurance$60$720$500-$1,000
Commercial property insurance$57$684$1,000-$2,500
Business owner’s policy$105$1,260$500-$1,000
Commercial auto insurance$59$708$1,000-$1,500
Workers compensation insurance$80$960$2,000-$5,000
Employee crime and dishonesty insurance$63$756$1,000-$2,000
Tools and equipment insuranceCost usually added to general liability insuranceCost usually added to general liability insurance$500

The average stucco and plastering insurance cost is $54 per month or $648 per year. This is subject to the location where you dispense your services, your payroll, revenue, experience, and claims history. Here’s another table that shows the price of the $1 million general liability policy of the best plasterer insurance companies:

Cost per MonthCost per YearBest for
NEXT$41.67$500Best overall; Fastest general liability insurance for plastering contractors
CoverWallet$43$516Plasterer insurance quotes comparison online
Tivly$44$528Comparing plastering contractor insurance quotes over the phone
Hiscox$45$540General liability insurance with worldwide coverage
Thimble$47$564On-demand plastering contractor insurance

EIFS Insurance Cost

The average EIFS insurance cost is $41 per month or $492 per year for a $1 million general liability insurance. Here’s a table showing the rates of the best EIFS insurance companies:

Cost per MonthCost per YearBest for
NEXT$37$444Best overall; Fastest general liability insurance for EIFS contractors
CoverWallet$39$468EIFS contractor insurance quotes comparison online
Tivly$41$492Comparing EIFS contractor insurance quotes over the phone
Thimble$43$516General liability insurance with numerous add-ons for EIFS contractors
Hiscox$46$552General liability insurance  with worldwide coverage for EIFS contractors

Compare Cheap Stucco & Plastering Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Plasterer Insurance Companies

These are the best plastering insurance companies where you can get coverage online and enjoy perks such as policy bundle discounts, easy online policy management, or worldwide coverage. Read the reviews below to know their pros, cons, and cost of a $1 million general liability insurance. 


NEXT Plasterer Insurance


  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for plastering contractors

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount


  • Couldn’t find any

While relatively newer, having only been launched in 2015, NEXT has set itself up as the best carrier for smaller stucco and plastering businesses. If you are looking to purchase your business insurance online without having to talk to an agent or broker, then NEXT is a carrier to go with.

For $41.67 per month or $500 annually for the basic coverage, which is a general liability insurance with a per-occurrence limit of $300,000-$1 million. Go for the deluxe or premier insurance option to enjoy these additional policies:

  • Tools and equipment coverage with a per-occurrence limit of $3,000-$10,000

  • Workers' compensation with a per-accident limit of $100,000

  • Commercial property coverage with a per-occurrence limit of $25,000

Best for: Best overall; Fastest general liability insurance for plastering contractors

Average cost: $41.67 per month 

Our rating: 10/10

CoverWallet Plasterer Insurance


  • Policyholders can purchase coverage at any time online 

  • Easy online policy management

  • No cancellation fees 

  • Compare quotes online 


  • CoverWallet is but an insurance broker and not a full-on insurance company


For $43 monthly or $516 annually, plasterers can get comprehensive general liability insurance from this company. Other policies you can avail from CoverWallet are:

  • General liability insurance

  • Business owner's policy

  • Worker's compensation insurance

  • Professional liability insurance


Offered in collaboration with CoverWallet's partners, the general liability policy will often have a limit of $1  million-$2 million, products and completed operations coverage with a $2 million limit, $1 million in advertising injury coverage, and $300,000 rented premises liability coverage.

Be sure to take advantage of CoverWallet's quoting platform to get the best possible deal.

Best for: Plasterer insurance quotes comparison online

Average cost: $43 per month

Our rating: 10/10

Tivly Plasterer Insurance


  • Call and compare quotes over the phone

  • Responsive customer service

  • A partner of many reputable insurance companies


  • You need to call to get a quote 

This company doesn’t have a plastering insurance package. However, you might want to call Tivly and talk with a representative, because it can arrange adequate coverage through its handyman insurance or contractor insurance. Note that Tivly doesn’t issue online quotes. A representative will take you through different coverage options over the phone. 

Best for: Comparing plastering contractor insurance quotes over the phone

Average cost: $44 per month

Our rating: 10/10

Hiscox Plasterer Insurance


  • Online quotes in less than 5 minutes

  • Expert support

  • No cancellation fee is charged for canceling a policy

  • Monthly payments accepted

  • Worldwide coverage


  • Poor customer reviews 

If you run a global plastering franchise, consider getting a tailor-made cover from Hiscox. For each of your general liability, professional liability, and business owner’s policy, you have an option of choosing an aggregate limit of between $250,000, $500,000, $1 million, or $2 million. Your deductibles will range between $500 and $10,000.

Best for: General liability insurance with worldwide coverage

Average cost: $45 per month 

Our rating: 9/10 

Thimble Plasterer Insurance


  • Quick to issue an estimate of your premiums

  • On-demand coverage

  • Numerous add-ons to business owner’s policy

  • Sells a short-term general liability policy


  • You can’t reach customer service by calling 

Thimble’s plastering insurance offers a business owner’s policy and workers compensation insurance. That said, you can’t get general liability or commercial property insurance as stand-alone policies. Thimble’s business owner’s policy offers $1 million-$2 million general liability coverage and $25,000-$500,000 commercial property coverage. Add-ons, such as cyber liability and hired/non-owned auto liability coverage, can be added as optional policies.

Best for: On-demand plastering contractor insurance

Average cost: $47 per month

Our rating: 9/10 

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