Painters Insurance

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

Choose your primary coverage to get started:

Painter insurance can help protect you from:

The cost of work mistakes

The cost of work mistakes

A customer claims you made a professional mistake that cost them money.””
Financial liability if someone gets hurt

Financial liability if someone gets hurt

If your worker or someone passing by suffers bodily injury and you're asked to cover medical bills.
Accidental damage to someone else’s property

Accidental damage to someone else’s property

The costs of repairs and replacements could cut into your profits.
Legal defense costs

Legal defense costs

Insurance can help cover legal fees if you’re sued over a job-related claim.

Get painting contractor insurance that’s fast, easy and affordable

NEXT specializes in small business insurance. Painting insurance can help protect you, your painting company and your employees from the cost of unexpected events.

NEXT makes it easy to:

  • Check prices, get covered and buy 100% online in about 10 minutes.
  • Manage your policy 24/7 via web or mobile app.
  • Pay monthly or annually and cancel anytime.
  • Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
NEXT specializes in painting business insurance
Painting insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
General Liability insurance for painters

General Liability insurance for painters

Protection for damage to other people’s property and injuries to non-employees
Whether you’re a self-employed painter, an independent painter contractor or run a small painting company, general liability insurance for painters can help cover unexpected accidents and claims. A general liability policy may also be required by residential customers or commercial clients.

general liability can help you pay for:

Medical expenses after an accident
Damage to property you don’t own
Legal fees settlements and court judgments
Costs related to reputation claims
Contractor’s Errors and Omissions insurance (E&O)

Contractor’s Errors and Omissions insurance (E&O)

Coverage against business mistakes and claims of negligence
Contractor’s E&O insurance, an add-on to general liability insurance, can help protect your business from workmanship errors. For example, if you accidentally use the wrong color paint, you could get financial help to pay for damages.

professional liability can help you pay for:

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

Commercial Auto insurance

Coverage for your painting business vehicles
Personal auto insurance usually won’t provide coverage if you’re driving for business. And most states require commercial auto insurance for business-owned vehicles such as cars, trucks or trailers to help pay for medical bills and property damage.

commercial auto can help you pay for:

Accidents or collisions while driving for work
Damage or theft of a work vehicle
Repairs and liability costs after a covered incident
Workers’ Compensation insurance for painting companies

Workers’ Compensation insurance for painting companies

Protection from the costs of job-related injuries and illness
Most states require workers compensation coverage as soon as you hire your first employee. And you might need coverage before you can get your painter’s license. Workers’ compensation insurance for painters can help cover medical costs, lost wages and employer liability if someone on your crew gets injured or sick from work.

workers compensation can help you pay for:

Medical expenses after a workplace injury
Lost wages during recovery
Legal and employer liability costs
Tool and Equipment insurance

Tool and Equipment insurance

Protection for your essential business gear
Tools and equipment coverage is an add-on to our general liability insurance for painters. This type of liability coverage can help protect your painting gear in your vehicle, in a trailer or at a job site. If you regularly take gear to a job site, tools and equipment insurance can offer some protection against damage or theft.

inland marine can help you pay for:

Stolen or damaged tools at a job site
Equipment breakdowns or accidental damage
Some repair or replacement costs
Commercial Property insurance for painters

Commercial Property insurance for painters

Coverage for painting businesses that own or rent workspace
If you’re a painter, your gear is your livelihood. Commercial property insurance for painters can help cover repair or replacement costs if your tools or workspace are damaged by fire, theft, vandalism and some harsh weather events in your shop or stored in your warehouse between jobs.

commercial property can help you pay for:

Damaged or stolen tools and equipment from your premises
Damages to covered property
Lost income due to business interruption

NEXT Insurance reviews

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

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Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

Awesome

The best insurance company I've delt with by far.

Jared B.

Great service

Very easy to use site

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Quick service.

They were just there for me instantaneously.

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New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

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Pleased

I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend

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Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

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consolidating insurance

My sales provider help me thru the process. It was so easy.

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General Liability

Super simple process

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Save up to 25% in discounts on Painters insurance

Pay monthly or annually, and you can cancel 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
How much does painting business insurance cost?

How much does painting business insurance cost?

The price of commercial painters insurance or residential house painter insurance is more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

  • The type of work you do.
  • The types of clients you have.
  • Your business location.
  • Your number of employees.
  • Annual revenue.
  • The coverage limits and deductible you choose.
  • Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for painters help your business?

How can insurance for painters help your business?

You might need painting insurance to help your business:

  • Meet license requirements. Painters and subcontractors often need proof of coverage — like a certificate of insurance (COI) — to get a painters license, stay compliant and close contracts. 
  • Protect your workspace. Commercial property insurance can cover damage to your office, storage space or business supplies.
  • Recover from mistakes. Contractor’s E&O insurance can help if a client claims your poor workmanship caused damages.
  • Replace stolen gear. Tools and equipment insurance can help cover theft of your essential work supplies.
  • Hire employees. Most states require workers’ comp insurance for small businesses with employees.
  • Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

Painter insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

Who needs painting business insurance?

Anyone working as a painter could benefit from the protection of painters insurance. Whether you’re a self-employed house painter, a business owner who runs a small crew or you manage a large commercial painting company, insurance for painting can help protect you from everyday risks like property damage, injuries or client disputes. It’s also often required to get licensed, bid on jobs or work as a subcontractor.

Insurance for painting contractors and business owners can help provide financial protection for unexpected events and accidents, such as:

  • A customer claims you damaged their furniture while painting their home.
  • A spilled bucket causes damage to a client’s property — or injures someone on site.
  • Paint or primer spills on a customer’s car, landscaping or new flooring.
  • An employee gets hurt while working.
  • Your work van or trailer is stolen with all your supplies inside.

NEXT makes it easy to check prices, get covered and buy 100% online in about 10 minutes.

Manage your policy 24/7 via web or mobile app, and get unlimited certificates of insurance (proof of insurance) at no extra cost.

What do I need to get insurance for painting online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Next Insurance, small business insurance
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
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More professions covered by NEXT

Appliance Technician, Building Sign Installation, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Glazier, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plastering and Stucco Work, Plumber, Roofing, Siding Installation Contractor, Welding, Tile, Stone and Flooring Installer, Waterproofing
What we cover
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© 2025 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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NEXT is part of the ERGO Group, a Munich Re company.

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.

* 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 and policy start times apply to specific coverages only.

** 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.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. 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.