Painters Insurance Costs and Coverage

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How Much Does Painters Insurance Cost?

There are nearly as many different types of painters as there are shades of green, so no single policy is going to fit every painter. Each painting company insurance policy we offer is specific to you–the type of work you do and the amount of risk it carries, where you work, how many employees you have, and more.

Painters insurance cost starts at $29 a month. General liability insurance costs most of our customers $350-$521 annually, or between $29-$43 per month. For Professional Liability coverage most of our customers pay an additional 4-8% which is reflected in the total policy cost.

Painter insurance costs and coverage can vary, even between businesses that look quite similar from the outside. Other than our affordable prices for your premiums, there are some other costs you should know that you won’t be paying for your painters insurance: you’ll pay a $0 deductible on all general liability insurance claims and you can always pay your premium monthly, rather than annually, for no extra cost. In addition, you will have access to our online customer portal where you can make claims, generate Live Certificates of insurance and more–all included with your policy.

Below you’ll find the details of what some of our painting customers pay for their insurance, but the best way to know what you would pay is to get a painting insurance quote just for you. What insurance does a painter need, and what does that painter insurance cost? We’ve got your answers.

How Much is General Liability Insurance for a Painter?

General liability insurance for painters is critical, as it can protect your business from certain types of losses. These can include:

– If someone other than you or one of your employees is injured

– If property gets damaged and your business is blamed for it

– Personal injury and slander, if you’re accused of saying or writing something about another person or business

General liability is sometimes referred to as “slip and fall” insurance, for people who have a physical place of business, but even for painters, it can cover cases where someone trips on your equipment, or even on a new coat of paint. It can cover legal expenses, medical costs, and more.

Most of our customers pay: $350-$521 annually, or between $29-$43 per month

Per occurrence limit: $300,000-$1 million, depending on your policy

Aggregate policy limit: $300,000-$2 million, depending on your policy

Deductible: $0

How Much is Painter Professional Liability/Errors and Omissions Insurance?

Professional liability insurance for painters is related to the projects you do and your role on those sites. It’s a much more specific type of coverage than general liability, including protecting you in cases where there are accusations that you may not have done your job properly, and that your work needs to be redone, or fixed. Painter professional liability insurance claims are usually much lower than general liability claims, which is why the coverage we offer has lower limits.

Professional liability painting insurance coverage is part of the Pro and Pro Plus plans we offer. It’s not available as a separate policy, but it is included within those plans.

Most of our customers pay: An additional 4-8% for this coverage, which is reflected in the total policy cost

Per occurrence limit: $0-$20,000, depending on your policy

Aggregate policy limit: $0-$50,000, depending on your policy

Deductible: $500

Choose the Plan that’s Right for You

starting from $29 per month

Basic

General Liability

$300,000 aggregate limit
$0 deductible

Professional Liability

Not included

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Pro

General Liability

$1,000,000 aggregate limit
$0 deductible

Professional Liability

$20,000 aggregate limit
$500 deductible

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Pro Plus

General Liability

$2,000,000 aggregate limit
$0 deductible

Professional Liability

$50,000 aggregate limit
$500 deductible

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What’s Covered by Painters Insurance?

Bodily injury

A client trips over your equipment and sprains her ankle while coming over to discuss the project with you.

Advertising harm

You shared photos of a client’s home, before and after your work. Your client is unhappy with your showing pictures of his home, and sues you.

Libel, slander and defamation

One of your employees complained about a client on social media; the customer saw the post, didn’t think it was funny, and decided to sue you.

Property damage

On your way through your customer’s house to paint a kitchen, you scratched their hardwood floors, which now have to be refinished.

Medical payments

A client breaks their foot after tripping over a tool you left at the worksite and sues you for the associated medical costs.

Court and legal fees

The client whose floors you damaged decides to sue you for the damage you caused, and you need an attorney to defend you in the lawsuit that results.

Painting activities, including

Window cleaning

Cleaning and pressure washing outside surfaces of buildings and other exterior surfaces

Drywall or wallboard installation and repair

Interior painting

Wallpaper hanging

Application of colorant to interior concrete floors

Exterior painting, including

Exterior buildings and structures less than three stories in height

Beautification, decoration, and restoration of residential, commercial and industrial buildings

Painting lines for parking lots, driveways and similar applications if not done by paving contractor

Readying surfaces for painting, including

Surface preparation work, including using scrapers, wire brushes, blow torches, electric paint removers

Readying surfaces for painting, using sandpaper, brushes, or steel wool while anomalies are filled with putty, plaster, or other fillers

Cleaning concrete floors to remove stains prior to painting

Painter Claims We've Covered:

Insured was painting the inside of a house and got paint on the client's Ethan Allen couch.

A bucket of paint was on the ladder and the ladder slipped causing the paint to spill everywhere. The paint got on the claimant's couch, loveseat, rocking chair, and table. In addition, the paint also got on the hardwood floors and it highlighted the scratches that were on the wood. All items will need to be replaced.

Claim scenarios are shown for illustrative purposes only. Coverage is dependent on policy terms and conditions and the actual facts and circumstances giving rise to a claim.