Insurance for Painters

Painting is an art that just few can master. It requires a great attention to detail, treating the project like a fine art, and using the right processes and tools to deliver quality work that your customers appreciate. Whether you offer interior or exterior painting services, you need painters insurance to protect your business’s financial assets and reputation.

Companies categorized under this industry work mainly in covering or painting interior or exterior walls. Other services include new work, additions, alterations, maintenance, and repairs.

Too many think house painting is a cut-and-dry service. But the truth is as a house painter, you face many risks every day.

• Paint Spills: Painters lay tarps over furniture and sidewalks to protect customer property. If you miss this step and the paint spills on their property, you are responsible for repairing or replacing items.
• Employee Injury: Painters use repetitive movements that can cause injury to the shoulders or arms. Also on ladders, the risk of falling and breaking an arm or leg exists. Employee injuries require you to pay medical expenses and time away from work.
• Other Injuries: If a customer or visitor to the property falls over your equipment and is injured, you're responsible for any related costs.
• Vehicle accidents: You rely on trucks to travel to various job sites. Depending on how severe an accident is and if your responsibility, costs can be expensive.
• Stolen Property: If you leave supplies and equipment at long-term job sites or in your vehicle it is unmonitored. You risk theft and the cost of replacing it all.

Insurance companies look at every painting business differently when they calculate your painter insurance cost. They want to know whether you are an interior or exterior house painter, how much experience you have, your process when a hiring a painter, and safety measures you take at job sites. To request a quote for painters insurance today, fill out our easy online application.

Wall covering contractors or paper hanging contractors have to drive from one job site to the next. They often tend to go to lunch in the middle of a job or maybe even go to the bank. Wall covering contractors will often have to go to the supply store to stock up or get something they need for the current job. All of these scenarios involve driving a vehicle for business purposes. Once a vehicle is being used for business, it is no longer eligible to be insured on a Personal Auto policy.
A Commercial Auto insurance policy is necessary to ensure that the paper hanging contractor has the proper Auto Liability and physical damage coverage for the vehicle. Make sure the minute you start driving a vehicle for business purposes you purchase a Commercial Auto insurance policy to avoid a situation where you are in an accident and a claim is denied because it is not insured properly.