Business Insurance for Painters

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Painting

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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.

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 coverage for basic painting risks.

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

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

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 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

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).

BEST FOR

Accusations of negligence
Failure to finish a project on time
Undelivered services

Surety bonds

A surety bond is an agreement between a painter, a client, and an insurance company. It guarantees the insurer will reimburse the client if the painter fails to fulfill the terms of their contract.

BEST FOR

Project delays
Loss of key staff
Failure to obtain materials

Looking for different coverage? See more policies.

How much does business 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:

Complete a free online application
Compare insurance quotes and choose policies
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

"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