Insurance for Drywallers: Because Hanging Rock is Hard Enough
From hauling heavy sheets on stilts to delivering that perfect Level 5 finish, The Pack protects Washington drywallers from the real risks of the trade—dust, damage, and demanding General Contractors.
The Dust, The Weight, and The Risk
Let’s be real: drywalling is brutal. You’re spending half your day on stilts, the other half covered in white dust, and you’re expected to make walls look like glass in record time. It’s heavy, precise work that most people don’t appreciate until they see a bad tape job.
At Hood Insurance, we don’t treat you like a generic "handyman." We know that a drywall contractor faces different risks than a guy fixing a leaky faucet. We build policies for the pros who make Washington's walls straight and smooth, ensuring that one clumsy moment on a lift or a cloud of sanding dust doesn’t trigger a lawsuit that buries your business.
Navigating the Washington Licensing Maze
Trying to figure out Washington’s L&I rules is about as fun as sanding a ceiling without a mask. Here is how the Pack breaks down the bond requirements for your trade:
The Drywall Specialist ($15,000 Bond): If you are strictly sticking to L&I Specialty #15—meaning you hang, tape, and texture, but you never frame a wall or hire a sub—the $15,000 Specialty Contractor Bond is your ticket to ride.
The General Contractor ($30,000 Bond): Here is where the "Two-Trade Rule" trips people up. The second you decide to frame the wall before you hang the rock, or if you hire a buddy to help with insulation, the state sees you as a General Contractor. That bumps your mandatory bond up to $30,000.
Most of the Lynnwood drywall crews we run with eventually move to the General registration because it stops them from getting dinged by L&I inspectors for doing "incidental" work outside their specialty. The Pack handles the paperwork for both, ensuring your bonds are filed correctly so you can stay on the job site.
Why We Don't Do "Small" Insurance
Why We Don't Do "Small" Insurance
Technically, Washington State says you can get by with a $250,000 liability policy. Around here, we consider that the insurance equivalent of using cheap paper tape—it’s going to fail exactly when you need it to hold.
We generally don't offer policies below $1,000,000.
The GC Factor: Almost every General Contractor or property manager worth working for won't let you on the site without a million-dollar policy. We ensure you don't lose bids just because your insurance looks amateur.
The Price Gap: Because of carrier minimums, the price difference between "barely covered" at $250k and "actually protected" at $1M is usually negligible—often just the cost of a few buckets of mud per month.
The Stop-Gap Safety Net: Because Washington is a monopolistic state, standard L&I covers medical bills but leaves a wolf-sized gap if an employee sues you for negligence. We include Stop-Gap Liability to cover the lawsuits standard L&I won't touch.
Protecting Your Gear and Your Reputation
Your stilts, your banjos, your texture sprayers, and your lifts are your livelihood. If some stray wolf decides to "liberate" your gear from your van overnight, standard auto insurance will just give you a sympathetic shrug. We use inland marine coverage to make sure your expensive tools are protected whether they are in the shop, on the road, or at the job site.
Why Run with The Pack?
We aren't a 1-800 number in another time zone. We’re your neighbors in Lynnwood. When a GC is demanding a Certificate of Insurance (COI) before they cut your check, you don't want to wait 48 hours for a call center to wake up. We get your paperwork out fast, because if you aren't getting paid, neither are we.
Serving the Pacific Northwest
Based in Lynnwood, WA, the Hood Insurance Agency proudly protects electricians in Edmonds, Everett, Seattle, Shoreline, Bellevue, and across the entire State of Washington.