Business Insurance for Painters

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Painting
Painter on a ladder painting the exterior of a house.
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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.

Painter with helmet and bucket painting a wall.
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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 insurance do painters need?

These policies provide property and liability coverage for common painting risks.

General liability insurance icon

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).

BEST FOR
  • Customer injuries and property damage
  • Product liability insurance
  • Advertising injuries
Workers’ compensation insurance icon

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.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

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.

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

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.

BEST FOR
  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
Looking for different coverage? See more policies.

How much does insurance cost for painters?

Man in construction vest and helmet 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 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 coverage that fits your painting business, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
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