Painters Insurance

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Why do painters need insurance?

Whether you do detailed interior work or commercial exterior painting, an accident could have a big financial impact on your small business. Painting insurance can cover expenses related to ladder injuries, vehicle accidents, damaged customer property, lawsuits, and more.

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Find the right coverage

Insureon will help you find insurance policies that match the unique risks of painting.

Get free advice from a licensed insurance agent and peace of mind knowing you have the right coverage.

What types of business insurance do painters need?

These policies provide property and liability insurance for painters to help cover basic painting risks.

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General liability insurance

A general liability policy covers everyday painting risks, such as a paint spill in a client's home. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).

  • Customer injuries and property damage
  • Product liability insurance
  • Advertising injuries
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Business owner's policy

A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for painters.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
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Workers’ compensation insurance

Most states require workers' comp for painting businesses that have employees. It also protects sole proprietors from job-related medical costs excluded from health insurance.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
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Commercial auto insurance

A commercial auto policy covers third-party injuries and property damage caused by painting company vehicles, as well as certain types of vehicle damage.

  • Physical damage and collision coverage
  • Bodily injury caused to another person
  • Vehicle vandalism and theft
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Contractor’s tools and equipment insurance

This insurance policy helps pay for the repair or replacement of paint sprayers, brushes, and other tools and equipment if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
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Professional liability insurance

Professional liability insurance covers legal costs when a painter is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).

  • Accusations of negligence
  • Failure to finish a project on time
  • Undelivered services
Looking for different coverage? See more policies.

How much does business insurance cost for painters?

Construction contractor calculating insurance costs.

A small company with a few painters will pay less for insurance than a large business with a dozen. Factors that affect painter's insurance costs include:

  • Painting services offered, such as residential interior painting
  • Value of business property
  • Business revenue and size
  • Type of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get painter's insurance?

It’s easy to get insurance coverage and surety bonds as a painting contractor or the owner of a painting business if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable coverage that fits your painting business, whether you work independently or hire employees.

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