You work last — so you get blamed first
By the time your crew hangs board, the building is full of finished work that isn’t yours: sealed concrete, set cabinets, glazing, wire and plumbing behind every stud bay. Most drywall claims aren’t about drywall — they’re about the sprinkler head a lift clipped, the floor a stack of board crushed, the pipe a screw found. That’s General Liability territory, and it’s why every GC contract demands your certificate before you load in.
The other half is your people. Hanging is heavy, repetitive work at height on stilts, benches, and scaffold — and since January 1, 2026, every California licensee needs Workers’ Comp, employees or not. We class your payroll correctly (hanging vs. taping vs. framing rates differ) so you’re not overpaying for the finisher who never lifts a sheet.
The drywall coverage stack
- General Liability — the certificate every GC requires before your crew loads board
- Workers’ Compensation — mandatory for every California licensee since January 1, 2026
- Commercial Auto — flatbeds and box trucks hauling board at contract limits
- Inland Marine — lifts, benches, texture rigs, and tools — on site or in transit
- CSLB license bond — the $25,000 bond your C-9 license requires
- Excess & Umbrella — commercial and multifamily jobs asking $2M+ aggregate