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Painting Contractor Insurance
Overspray on a car, a fall from a ladder or paint on a customer's floor can each turn into a claim. We compare insurance companies that write painting contractors, check for limits on height and lead paint work, and match your certificates to what GCs and property managers require. Call or text and a real person will go through it with you, in English or Spanish.
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Painting
Coverage Built for Painting Contractors
Interior, exterior and commercial painting each carry different risks. We match coverage to the work you actually do.
- General liability with completed operations
- Workers comp for your crews
- Commercial auto for vans and trucks
- Tools and equipment, like ladders, sprayers and lifts
- Pollution coverage for lead and overspray where needed
- Umbrella limits and bonds your contracts require
Good to Know
Before You Buy
Height, lead and ladders shape most painting policies. We go through each one with you before you sign.
- Height limits. Some policies limit work above a set height, so tell us if you paint multistory buildings.
- Lead paint. Renovating homes built before 1978 can trigger EPA lead-safe work rules, and lead is often excluded from liability policies.
- Workers comp. Ladders and falls make workers comp especially important for painting crews.
- Overspray. Paint carried by wind onto cars or buildings is a common claim. Check whether your policy limits it.
- Additional insured. GCs and property managers usually require additional insured status on the policy, not just the certificate.
- Subcontractors. Uninsured subs can be added to your premium at audit. Keep a certificate from every sub you use.
Pair It With
Gaps Painting Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Your Tools Need Their Own Coverage
Liability doesn't cover your own tools. Tools and equipment coverage protects them on the job and in your truck.
Pollution Is Usually Excluded
Many liability policies exclude pollution, so a contractors pollution policy may be needed for the work you do.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Painting Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Is overspray covered?
Overspray damage to cars or property is often covered by general liability, but some policies limit it. We check before you buy.
Do I need special coverage for lead paint?
If you work on homes built before 1978, EPA lead-safe rules can apply, and many policies exclude lead. We can look for coverage that fits.
Does building height matter?
Some insurance companies limit work above a set number of stories. Tell us about your jobs so the policy matches.
Need a Certificate for a Job?
Send us the contract and we'll match the requirements.