Painters Insurance

Personalized Protection for Your Painting Business

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Painters Insurance That’s Made Just for You

You’ve got 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.

Given the nature of your work, you need painters insurance to keep your business protected. At Simply Business, we specialize in tailored business insurance for painters, decorators, and everyone in between.

Whether you provide exterior painting services or specialize in interior decorating, we can help you find coverage that’s customized just for you.

What Insurance Do Painters and Decorators Need?

Painters and decorators face a lot of risks based on the kinds of services they offer, the location they’re based at, and how many employees they have. That’s why Simply Business makes it easy to tailor your coverage, so you only pay for what you need.

Need more detail? Read our FAQs:

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General Liability Insurance for Painters and Decorators

General Liability insurance - also known as commercial general liability (CGL) - protects your painting business from third-party claims of bodily injury or damage to someone else’s property.

For example, if someone enters your office building, trips over your rug and requires medical attention, general liability may cover the medical costs related to that individual’s injury.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to own employees
  • Known claims or potential claims

Learn more about commercial general liability insurance.

Professional Liability Insurance for Painters and Decorators

Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer accuses your painting business of negligence. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay by a court.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Workers Compensation Insurance for Painters and Decorators

If you’ve started hiring employees or subcontractors, you may be legally required to take out a workers compensation insurance.

This type of business insurance covers you in case an employee gets sick or injured on the job. It can also pay for lost wages; in some cases, your workers compensation policy could even cover the costs of rehabilitating and retraining an employee who was injured while working.

Learn more about workers compensation insurance.

How Much Does Painters Insurance Cost?

It can be tough to nail down the exact cost of painting insurance, as each policy depends on factors like:

  • The number of employees and subcontractors you work with
  • The areas you serve
  • The types of projects you specialize in
  • How long you’ve been in business

Fortunately, it doesn’t take very long to get painting insurance quotes for your business. Just click here to answer a couple of questions about your business.

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