Next Insurance

Painters Insurance

You can save up to 25% in discounts on business insurance.*

Painter insurance
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Painter insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the painter insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Contractors’ E&O
  • Commercial auto
  • Workers’ compensation
  • Tools and equipment
  • Commercial property

You can save up to 25% in discounts on painters insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for painting contractors and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance for painters covers a wide range of painter accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by residential and commercial clients. Liability insurance for painters includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O

Contractors’ E&O

Bought by 80% of business owners like you
Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of using the wrong color or type of paint on a client’s home, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you are driving for business purposes. If you get into an accident while dropping off supplies at a job site, you might not have coverage unless you have an active commercial auto policy.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

Coverage for workplace injuries
Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your painter’s license. It can help pay for medical bills and lost wages after an accident.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your painting gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your painting business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much does business insurance cost

How much does painter insurance cost?

Painter insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work

Learn more about painters insurance costs and coverage.

Everything you want to know about Insurance

Painter insurance requirements

Painters are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Get a painter license in your state.
  • Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about painter insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect painters?

Our affordable painter insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

An employee accidentally spills a can of paint on a client’s rug. The general liability coverage in your insurance package would help pay for cleaning or replacement.

Accidents that hurt someone

A client slips and falls on the dropcloth you’re using to cover their flooring. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees if you have to go to court.

Professional mistakes

A property manager accuses you of painting units the wrong color and wants you to redo the job. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. 

Workplace injuries 

A member of your painting team falls off of a ladder and injures their wrist. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees. 

Injuries and damage involving your business vehicles

A tree falls on your work truck during a storm, damaging the roof and breaking the windshield. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles in most states. 

Theft or damage to your tools

Vandals break into a work site and cause damage to your airless paint sprayer. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs. 

Damage to your own property

High winds snap off a tree branch, which crashes through a window at your office. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.
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More professions that are covered by NEXT

Home Renovation Contractor, Waterproofing, Siding Installation Contractor, Plastering and Stucco Work, Paving and Asphalt Contractor, Insulation Contractor, Building Sign installation, Glazier, Painters, Drywall Contractor, Concrete Contractor, Tile, Stone and Flooring Installer, Excavation Contractor, HVAC Contractor, Debris Removal, Mason, Electrician, Carpenter, Roofing, Welding, Plumber, Appliance Technician, Handyman, General Contractor
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2022 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.