Painter Liability Insurance for Residential &
Commercial Projects
Painter liability insurance helps cover accidental property damage, injuries to clients or bystanders, and other job‑site incidents. If paint spills on a client’s carpet, overspray hits a vehicle, or a ladder damages a window, liability coverage helps pay for repairs or claims.
Many
clients and general contractors require proof of liability insurance before
allowing painters on site.
Painting Business Insurance Built for Your Trade
Painting business insurance combines essential protections into one tailored package. It helps cover your tools, equipment, supplies, and business operations.
Whether you specialize in interior painting, exterior
work, or large commercial projects, this coverage ensures your business stays
compliant, competitive, and protected from unexpected costs.
Coverage Options for Painting Contractors
We offer the core policies most painting contractors need to stay protected and meet job requirements:
General Liability (GL) – Protects against third‑party injuries and property damage that occur during your work.
Business Owner’s Policy (BOP) – Combines general liability with property coverage for equipment, supplies, and business contents.
Workers’ Compensation (WC) – Required in most states if you have employees; helps cover medical costs and lost wages after a workplace injury.
Business Equipment Protection (Inland Marine) – Covers tools and equipment while in transit or on job sites, protecting against theft, loss, or damage.
How the process works in three easy steps
1
Complete the App
Complete the 60‑second application
2
Secure your policy
We offer the lowest rate available
3
Flexible options for any business
Choose coverage that fits your business, same day certificates (COI).
Why Choose Us?
Specialized coverage tailored to your business
Trusted by businesses and organizations
Fast, simple, stress‑free policies
- Flexible options for every type of business
- Fast Insurance for AZ Small Businesses
Top questions answered
Our most common questions answered efficiently.
A BOP is helpful for painters who own or lease a shop, store equipment, or want bundled liability and property coverage. However, many small or mobile painters only need general liability and tools coverage. A BOP is optional—not required—but valuable for painters with physical assets to protect.
Most painters start with general liability insurance, which covers property damage and injuries. Many also add inland marine for tools, commercial auto for work vehicles, and workers’ compensation if they have employees.
Costs vary based on your location, business size, and services offered. Most small painting businesses pay an affordable monthly rate, while commercial painters or those working at heights may pay more due to increased risk.
While not always legally required, most clients, property managers, and general contractors require proof of liability insurance before allowing painters to begin work. It also helps you win more jobs by showing professionalism and reliability.
