Painter Insurance
Find out which painting insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Does a Painter Need Insurance?
As a painter, careful preparation is key to delivering flawless results and avoiding costly errors. Painter insurance works the same way for your business — helping protect you from accidents, property damage, theft, or injuries on the job.
What Type of Painter Insurance Do I Need?
General Liability Insurance
A foundational painting insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Contractor’s Equipment and Small Tools Insurance
Also known as Inland Marine Insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
Contractor’s Errors and Omissions Insurance
Coverage for damages and legal costs for mistakes or negligence claims. It also can cover errors that result in unsatisfactory finished work.
What Does House Painter Insurance Cover?
A fresh coat of color can bring new life to a client’s home. But without the right painter insurance, you could be left cleaning up an unexpected mess. We’re here to help you find the right coverage to protect against some of the common risks you may face:
Damage to someone else’s property
While carefully edging along a ceiling, your ladder shifts and scrapes a newly installed light fixture. It falls and shatters, and also damages the new floor. The homeowner is upset and demands compensation. A general liability policy could help pay for those types of third-party claims.
Care for sick or injured employees
Your crew is tackling a tricky exterior job when one of your painters slips off a scaffold and injures his back. Workers’ compensation insurance can help cover his medical bills and provide wage replacement as he recovers.
It’s often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Workers’ comp insurance can help cover medical, rehab expenses, lost wages, and funeral and survivor benefits.
Even if you operate solo, we recommend workers’ comp, since many health insurance policies won’t cover work-related injuries.
Honest mistakes and negligence claims
No matter how much you prep, mistakes can happen. What if you inadvertently use the wrong shade of off-white while rushing to finish a big job? A professional liability policy could help cover the cost to repaint and protect you against a claim of negligence.
Damaged or stolen equipment
After wrapping for the day, you return to your van to discover thousands of dollars of paint sprayers, ladders, and tools are missing. An inland marine policy can help pay to replace or repair your stolen or damaged equipment — whether it’s on the move or at a job site.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Is Insurance for a Painting Business?
Try our House Painter Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Painting Insurance Coverage Questions
Is painting insurance required by law?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
How much does painting insurance cost?
The cost for your insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, and the number of employees you have.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices online for painting insurance coverage in just 10 minutes right here.
What should I consider before buying painter insurance?
If you’re thinking of buying painting business insurance, we recommend having the following information when using our painter insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools and equipment, we can help find the coverage you need for your painting business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.