Business Insurance for Painters
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How much does business insurance cost for painters?

Painters' insurance costs depend on your policy limits, your business risks, your equipment value, and other factors. Cost estimates are sourced from policies purchased by Insureon customers.

General liability insurance icon

General liability insurance costs for painters

From sign painting to paperhanging and house painting, painters pay a median premium of about $50 per month, or $600 per year, for general liability insurance. This policy offers protection against third-party injuries, third-party property damage, and advertising injuries.

Painters can often save money by bundling general liability insurance with commercial property insurance in a business owner’s policy.

Median cost per year: $600
Policy limit: $1 million per occurrence
Policy deductible: $250 

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

Workers’ compensation insurance icon

Workers’ compensation insurance costs for painters

The median cost of workers’ compensation insurance for painters is about $275 per month, or $3,320 annually. This policy, which is required in almost every state for businesses with employees, can help cover medical fees and lost wages for work-related injuries and illnesses.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

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Commercial auto insurance icon

Commercial auto insurance costs for painters

At a median rate of less than $135 per month, or $1,600 annually, commercial auto insurance provides coverage for vehicles your painting business owns. It can help pay for property damage and medical costs in an accident. Commercial auto insurance also covers vehicle theft, weather damage, and vandalism.

Median cost per year: $1,600
Generic policy limit: $1 million

Learn how coverage limits and other factors affect the cost of this policy on Insureon's commercial auto insurance cost analysis page.

Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance costs for painters

Painters pay a median premium of about $15 per month, or $170 annually, for contractor’s tools and equipment coverage.

A form of inland marine insurance, this policy helps cover the repair or replacement of lost, stolen, or damaged tools and equipment.

Median cost per year: $170
Generic policy limit: $5,000

Learn which coverage limits to choose and more on Insureon's contractor's tools and equipment insurance cost analysis page.

How do I get painter insurance?

It’s easy to get insurance as a painter if you have your business information on hand. An 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 quotes and choose policies
  3. Pay for your policy and download a certificate

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

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