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You have a knack for turning a client’s vision for their home into a beautiful reality. From transforming a kitchen into a warm and inviting space to repainting an entire three-story house, you spend a lot of time in other people’s homes.
That’s why you need painters insurance to keep your business protected.
At Simply Business, our business insurance policies are designed to protect you against the specific risks you face as a painter or decorator. Plus, we make it easy to get insured. Get an online quote in under 10 minutes, or call one of our licensed insurance agents for expert help in selecting the right policy.Get Your Quote
Whether you specialize in exterior painting or interior painting and decorating, it’s safe to say you’re spending a lot of time in customers’ homes. That’s why we recommend the following insurance for painters:
General liability insurance for painters — also known as commercial general liability (CGL) insurance — is a special type of policy that covers your painting business in the event of third-party accidents and damages. For example, if a customer trips over a can of paint that your employee left out and is injured, painters liability insurance may cover any medical costs related to their injuries.
General liability insurance usually covers:
General liability insurance usually does not cover:
Learn more about General Liability Insurance.
As a painter, you need a lot of tools and equipment to get your job done. So it’s safe to say that you’ve invested a lot of money to build your business’s inventory.
But what would happen if your tools were lost, or your painting equipment were stolen? Would you have the money to replace them all?
That’s why we recommend adding contents coverage to your painters insurance. Contents coverage provides financial compensation in the event your tools and equipment are damaged or stolen during the course of your work. If this happens, your policy may cover the cost of repairing or replacing those items (up to your selected coverage).
Our contents coverage can be affordably added to our general liability insurance policies, so make sure you request it when shopping for a quote.
Workers compensation insurance protects your painting business by covering lost wages, medical bills, and any legal costs associated with an employee getting hurt while working for you. For example, if your employee accidentally falls off a ladder while painting a customer’s home and is injured, your workers compensation policy may cover the costs of that claim.
Having this coverage also prevents an employee from directly suing your painting business for their workplace injuries.
Workers compensation insurance usually covers:
Finding painting business insurance can feel like a headache, but we’re here to make the process a lot easier. Check out our answers to the most frequently asked questions about painters insurance, including how to tell if you need it.
Without a doubt, yes! Painters insurance can provide crucial protection for your finances, your employees, and your tools, as well as the safety and property of your customers. Without painters liability insurance, you may be held responsible for any damages or accidents caused by your business. That means you’d have to pay for those damages out-of-pocket, regardless of how much they are.
That means if the bills are too high, it could put you out of business.
Painters insurance can be customized to protect your business against the most common risks you face while doing your job. So whether you need just standard general liability insurance or you want contents coverage to protect your painting tools, we can help you add these policies to your overall painters insurance.
Depending on the city and/or state where you operate your business, you may be required to have painters insurance. If you have questions about your state requirements, give us a call, and one of our licensed insurance agents can help answer your questions.
Even if your state doesn’t require you to be insured, there are several reasons you should carry painters insurance:
It can be tough to nail down the exact cost of painting insurance, as each policy depends on factors such as:
Fortunately, it only takes about ten minutes to get painting business insurance. Just click here to answer a few questions so you can see how much your painters insurance policy might cost!
Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience making business insurance clear and simple for our customers.
We pride ourselves on making business insurance:
Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.
Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.
Flexible with Coverage: Whether you need increased coverage for the busy season or policies for a large project, Simply Business can help.
After all, you’ve worked hard to build your painting business. That’s why we offer the best coverage to protect it.