How To Obtain Liability Insurance If I’m A Painter

If you’re a painting contractor, you know that you need liability insurance to protect yourself and your painting services business. But did you know that there are several types of liability insurance for painters and that not all policies are created equal? In this blog post, we’ll explain the distinct types of liability insurance for painting contractors, and help you choose the right policy for your painting business. Keep reading to learn more!

Do painters need painter insurance?

As a painting business owner, you need to protect yourself from potential lawsuits.

Commercial general liability insurance and product liability insurance are both essential for businesses. They offer protection if someone is injured, or their property is damaged because of your operations.

Painting is a hazardous business activity, whether it’s a small painting firm, a large painting operation with many employees, or an individual painting business.

When things go wrong and you don’t have the required insurance, a little event can quickly become a big problem. Covered events could include things like paint spills, or larger property damage, or even issues that could rack up massive medical costs should someone be injured. Lawsuits can be incredibly costly and damaging to your business. Even if you’re not at fault, the legal fees alone can bankrupt you.

Business insurance is essential for all small business owners. These policies offer protection if someone is injured, or their property is damaged as a result of your products or operations.

What is painting contractor liability insurance coverage?

Types of Painters Insurance Policies to include in your insurance package

There are several types of liability insurance policies that painting contractors can have that cover some common risks. Some of the most common policies include:

Commercial general liability insurance: This policy offers protection for third-party bodily injury and property damage on the job sites.

  • Product liability insurance: This policy protects you from liability arising from any product-related injuries or damage.
  • Completed operations liability insurance: This policy covers any damage or injuries that may occur after your work is completed and you leave the job site.

You can’t afford to be without either of these policies. They could mean the difference between a successful business and one that’s forced to close its doors. That’s why we offer some of the best rates in the industry for painting contractors.

Painters Insurance: Cost & Coverage

How much does painting insurance cost?

In some areas, painting insurance rates vary. Liabilities insurance premiums are determined by your risk tolerance, total sales, and payroll expenditures. Painters may pay as little as $1,000 per year for general liability insurance. As your business grows, your commercial coverage grows more expensive.

What coverages do painting contractors need?

Write about the other types of business insurance painters may need

In addition to painters’ general liability coverage, painters may also need insurance that covers:

  • Professional liability coverage: This policy covers you for any errors or omissions that may occur while you’re working.
  • Business interruption coverage: If something happens that interrupts your business operations, this type of policy can help cover your lost income.
  • Workers compensation insurance: In case an employee is injured while working, this policy can help with medical bills and lost wages for those related to workplace injuries.
  • Commercial auto insurance: If you use a company vehicle for business purposes, this policy can help protect you if there’s an auto accident.
  • Inland marine policy: This policy can help cover the tools and equipment that the business owns if it’s damaged or stolen while in transit.
  • Commercial property insurance: This policy can help protect your commercial buildings and business property from damage or theft.
  • Surety bond: This type of bond can help protect your customers if you don’t complete a job or fulfill your obligations.

The best way to make sure you have all the protection you need is to speak with an independent insurance agent like your friends at Beacon Point Insurance. They can review your specific situation and recommend the best policies to consider for your needs.


  • Receive a discount for bundling your policies.
  • Be protected in the event of an accident or injury.
  • Sleep well knowing you’re covered. 
  • Protect your employees and customers with peace of mind.

Painting contractors need to have insurance and should get liability insurance that covers injuries or property damage resulting from the work they do. Click here to get a free quote with instant access for commercial general liability insurance today or give us a call!

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