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
A customer claims you made a professional mistake that cost them money.””
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
The costs of repairs and replacements could cut into your profits.
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
ERGO NEXT specializes in small business insurance. Painting insurance can help protect you, your painting company and your employees from the cost of unexpected events.
ERGO 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.
ERGO 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
Protection for damage to other people’s property and injuries to non-employees
general liability can help you pay for:
Contractor’s Errors and Omissions insurance (E&O)
Coverage against business mistakes and claims of negligence
professional liability can help you pay for:
Commercial Auto insurance
Coverage for your painting business vehicles
commercial auto can help you pay for:
Workers’ Compensation insurance for painting companies
Protection from the costs of job-related injuries and illness
workers compensation can help you pay for:
Tool and Equipment insurance
Protection for your essential business gear
inland marine can help you pay for:
Commercial Property insurance for painters
Coverage for painting businesses that own or rent workspace
commercial property can help you pay for:
ERGO NEXT Insurance reviews
NEXT is the BEST
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consolidating insurance
My sales provider help me thru the process. It was so easy.
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General Liability
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Lawn service
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Save up to 25% in discounts on Painters insurance
Pay monthly or annually, and you can cancel at any time.
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.
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 painting business 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?
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 could 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 could 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 can 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?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with ERGO NEXT?
More professions that are covered by ERGO NEXT
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
