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Painters Insurance
Protecting your painting business needs with tailored coverage
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Customized liability insurance for painters
Painting requires skill and attention to detail. Whether you're working alone at a client's home or leading a team of painters at an office building, even the steadiest hand can face challenges like matching paint colors or shaky ladders. That's why it helps to have reliable business insurance coverage through Progressive Commercial.
What is painter insurance?
Insurance for a painting business protects against a variety of common risks, including paint spills, falls, broken windows, or other events that cause injury or property damage. Having the right coverage can make it easier for your business to manage accidents without hurting your bottom line.
Why is insurance for painters important?
Painters insurance is important because it helps your business handle accidents and mistakes. With the right coverage, you won't have to pay out of pocket to fix problems, which benefits you, your customers, and your team. It also shows you're responsible and can boost your reputation.
Some clients require painters liability coverage. Your contract might say you need general liability or other types of insurance before you can start work. In these cases, you'll want a certificate of insurance (COI) as proof of coverage.
Who needs painting business insurance?
Any business that offers painting services should consider contractors insurance to protect from job-related risks. Some of these providers include:
- Residential contractors
- Commercial painters
- Property managers
- Industrial painters
- Specialty painters, like muralists
- Furniture refinishing businesses
Whether you're a sole proprietor, considering a startup business, or work for an LLC, you can benefit from painting insurance for your business.
Types of insurance for painters
Painting comes with more than the risk of a drip or spill. From ladder falls to colors mix-ups, the right insurance helps you handle bumps in the road, so you can keep things rolling.
General liability (GL)
Customers often require general liability insurance for painters before you start a project. It can cover injuries, property damage, product liability, and more. Learn about the benefits of general liability protection.
Example: Your apprentice accidentally knocks over a can of paint, destroying a client's expensive Persian rug. GL could cover the cost to replace the rug.
Commercial auto
You need commercial auto coverage for vehicles used to visit job sites or carry supplies like paint, brushes, and ladders. Most personal auto policies don't cover work-related incidents, which could leave you unprotected. We insure common vehicles for painters, including pickup trucks, vans, and trailers. Find out how much commercial auto costs.
Example: You accidentally back your work van into a customer's garage. A commercial auto policy could help repair or replace the door.
Business owners policy (BOP)
A business owners policy packages liability protection with commercial property coverage. It's popular with small businesses because of its flexibility. You can add BOP coverages to expand protection and cover other things like tools and equipment.
Example: A fire in your storage warehouse damages ladders, sprayers, and other paint equipment. Your property coverage can pay to replace the items and fix damage to the building.
Professional liability
Professional liability for painters protects against claims of negligence, errors, and omissions related to your advice and services. It helps you address the customer's issue and covers defense and settlement costs if they sue, regardless of whether you made a mistake.
Example: There's a paint mix-up, and a customer says the final result doesn't match what you agreed upon. The client is unhappy and threatens to sue. Professional liability can cover the cost of a repaint — and your legal fees if they move forward with a lawsuit.
Workers' compensation
Workers' compensation insurance covers employees who get injured or sick on the job. It helps pay their medical bills, rehabilitation costs, and lost wages. It can also protect small business owners from lawsuits related to employee injuries. Find out about workers' comp costs for your business and learn about requirements in your state.
Example: An employee falls from a ladder while painting exterior trim on a client's home. Workers' comp could pay for their ER visit, surgery, rehab, and lost wages.
Tools and equipment coverage for painting companies
Your business relies on professional supplies to get the job done. Tools and equipment insurance protects everything from ladders and scaffolding to sprayers and brushes. This GL or BOP add-on can pay to repair or replace covered items if they're lost, stolen, or damaged.
How much does painting business insurance cost?
Many factors influence the cost of painting insurance, such as your specific coverage needs and number of employees. Insurers will consider the following when setting your rate:
- Location
- Business size
- What you paint (e.g., houses, offices)
- Equipment value
- Claims history
- Insurance limits and deductibles
Understanding what affects your premium can help you prepare for a quote and find the right protections. See how painting business insurance is calculated.
Get your painters insurance through Progressive Commercial
Progressive Commercial is a trusted name in business insurance, offering flexible coverage options tailored to the needs of painting contractors. Start a quote online or call us to speak with an expert agent who can help you find the right coverage for your painting business.
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