RAPID
SPECIALISTS
Painting contractors are indispensable specialists in today's busy world of residential and commercial construction and renovation. Whether you're painting a house or a large project, painters' insurance is essential.
Painting contractors are hired to carry out all kinds of projects, each with its own risks, such as working at heights, spilling paint and other chemicals, and so on. Injuries and property damage to customers can result in significant financial losses for painting contractors. General liability insurance for contractors painters protects your business and your livelihood in the event of property damage or personal injury to a third party.
Painters also need to protect their premises, inventory, vehicles, tools and more. A variety of painters' insurance coverages are available to meet the needs of your painting business.
What is painters' insurance?
Painters' insurance is put in place to ensure that your business is properly protected against any potential risks that may arise while you're working. Painters' insurance protection often focuses on two elements: Commercial General Liability and Property Protection.
Visit general commercial liability protects you, your business and your employees if a customer claims that you have done something negligent that has 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 major 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 painters' insurance?
All contractor painters should have painters' insurance. Whether you're an owner-operator or have many employees, mishaps like falls, damaged windows, stolen tools, cyber attacks and spills can happen.
Painters should also consider insurance for their workshop, stock, commercial vehicle(s), and more.
Here are a few other points to consider:
- Many customers ask for proof of insurance before hiring a painter.
- If you're bidding on painting contracts for government, commercial or institutional projects, commercial liability insurance is mandatory.
- Painters who spray paint outdoors run additional risks. For example, if the wind carries the paint in the wrong direction, it can damage property or vehicles and lead to legal action against you.
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