Drywall Contractors Face Risks Every Day—Are You Protected?
Imagine this: You’ve just secured a major drywall installation contract, a project that could take your business to the next level. But halfway through, moisture exposure warps the drywall, leading to costly delays. Worse yet—mold begins to form, creating a ticking time bomb for liability claims.
These risks are real.
Traditional drywall has long been the industry standard, but it’s also a source of major financial exposure. Moisture damage, fire hazards, and structural weaknesses can turn a routine job into a liability nightmare.
That’s why many contractors are exploring Magnesium Oxide (MGO) boards—a material that offers superior fire resistance, moisture control, and structural integrity. These boards aren’t just an alternative; they’re a strategic way to minimize costly risks.
But even the best materials don’t eliminate risk entirely. That’s where Hamsher Insurance comes in. We help drywall contractors build a strong risk management plan, ensuring their business is covered when unexpected challenges arise.
If you’re looking to reduce liability, protect your business, and confidently take on bigger projects, here’s what you need to know.
What Are MGO Boards?
MGO boards are high-performance building panels made from magnesium oxide—a naturally fire-resistant mineral. Unlike gypsum drywall, which absorbs moisture and deteriorates in fire, MGO boards provide:
- Fire Resistance – Higher fire rating than standard drywall, helping improve safety measures.
- Moisture & Mold Protection – They don’t absorb water, reducing the risk of mold growth.
- Stronger Structural Integrity – Denser and more impact-resistant, reducing material failures.
Because of these advantages, MGO boards are growing in popularity for commercial buildings, hospitals, schools, and residential projects where safety and longevity matter.
While these materials help minimize risks, no construction project is completely risk-free. That’s why having the right insurance protection in place is critical for drywall contractors.
Why Drywall Contractors Should Consider MGO Boards
1. Fewer Callbacks & Costly Repairs
MGO boards help prevent common drywall failures like moisture damage, warping, and fire-related deterioration. This means fewer warranty claims, repairs, and disputes, saving time and money.
2. Lower Liability Exposure
If drywall fails and leads to property damage, mold, or safety concerns, contractors often face legal and financial consequences. While MGO boards reduce these risks, the right insurance coverage ensures you’re protected against claims that could impact your business.
3. Competitive Advantage in Bidding
Contractors who offer higher-quality, low-risk solutions set themselves apart in competitive bids. Developers and property owners are willing to pay more for durability and reduced maintenance costs.
4. Smoother Project Execution
Because MGO boards are more durable and resistant to environmental factors, contractors experience fewer material failures, less waste, and more predictable project timelines.
While MGO boards improve jobsite efficiency and reduce long-term risk, they don’t eliminate the need for a strong insurance plan that protects against the unexpected.
How Hamsher Insurance Helps Contractors Reduce Risk
Choosing the right materials—like MGO boards—is a smart first step, but a comprehensive risk management strategy is what protects your business long-term.
At Hamsher Insurance, we specialize in helping drywall contractors:
- Identify Key Risks – Every project carries different risks. We help assess your specific liability exposures, so you’re not caught off guard.
- Secure the Right Coverage – From general liability to workers’ compensation, we customize insurance plans tailored to construction professionals.
- Ensure Financial Stability – A single claim can financially cripple a business. The right policy protects your work, reputation, and bottom line.
- Adapt to Industry Challenges – The construction industry is constantly evolving. We help you navigate changing risks and coverage needs.
Start Your Custom Insurance Plan Today
- Evaluate Your Coverage Needs – Many contractors don’t realize their current policies may leave them exposed to lawsuits, property damage claims, and project delays.
- Get a Customized Plan – We’ll tailor an insurance strategy that fits your business needs, helping you avoid costly gaps in coverage.
- Protect Your Business with Confidence – Whether you’re working on small renovations or large commercial builds, the right insurance coverage gives you peace of mind.
Don’t leave your business exposed to unnecessary risks.
Start Your Custom Insurance Plan
Frequently Asked Questions
1. Are MGO boards more expensive than traditional drywall?
Yes, MGO boards have a higher upfront cost, but they offer long-term savings by reducing moisture damage, fire hazards, and structural failures that lead to costly repairs.
2. Can MGO boards completely replace standard drywall?
MGO boards work best in high-risk environments where fire resistance and moisture control are crucial. They may not be necessary for every drywall application but provide a stronger, safer alternative in many cases.
3. Do MGO boards affect insurance premiums?
While using higher-quality materials can reduce the risk of damage, insurance premiums are based on multiple factors, including overall project risk and contractor history. Our team at Hamsher Insurance can help ensure you have the right coverage regardless of the materials you use.
4. What type of insurance do drywall contractors need?
Drywall contractors typically need general liability, workers’ compensation, and commercial property coverage to protect their work, employees, and business from unforeseen losses.
5. Where can I get expert insurance advice tailored to drywall contractors?
Visit our blog for more insights on protecting your business from risk.
Protect Your Business with a Smarter Risk Management Plan
Using better materials is only part of the equation—having the right insurance coverage is what ensures long-term success.
At Hamsher Insurance, we specialize in helping drywall contractors reduce liability, avoid financial setbacks, and confidently grow their business.