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Painter insurance quote
Painting contractors are indispensable specialists in today’s busy world of residential and commercial construction and renovation. Whether you’re painting a home or a large project, painter confidence is essential.
Painting contractors are hired to carry out all kinds of projects, each with risks, such as working at heights, spilling paint and other chemicals, etc. Injuries and property damage to customers can result in significant financial losses for painting contractors. General liability insurance for painters protects your business and your livelihood in the event of property damage or bodily injury to a third party.
Painters also need to protect their premises, stocks, vehicles, tools, etc. A variety of insurance coverages for painters is available to meet the needs of your painting business.
What is painters’ insurance?
Painter insurance is put in place to ensure that your business is properly protected against any potential risks that may arise while you are working. Painters’ insurance coverage is often focused on two elements: Commercial General Liability and Property Protection.
Commercial general liability protects you, your business, and your employees if a customer claims that you did something negligent that caused damage to their property or personal injury. These claims can have high financial costs.
Protect your company’s assets in the event of loss, damage or theft. Theft, in particular, is a significant concern. The rate of theft of vehicles and/or trailers is high in the construction industry, and your car insurance will not cover your tools and equipment in the event of theft.
Who needs painter insurance?
Every painting contractor should have painter insurance. Whether you’re an owner-operator or have many employees, mishaps like falls, damaged windows, stolen tools, cyberattacks, and spills can happen.
Painters should also consider insurance for their studio, inventory, commercial vehicle(s), and more.
Here are some other points to consider:
- Many clients ask for proof of insurance before hiring a painter.
- If you bid on painting contracts for government, commercial or institutional projects, commercial general liability insurance is mandatory.
- Painters who spray paint outdoors are at additional risk. For example, if the wind carries the paint in the wrong direction, it can damage property or vehicles and lead to lawsuits against you.
Ask us for an insurance quote now.
