Residential, commercial, and exterior painters
Painting contractor insurance for residential and commercial painters
Painters work on ladders and lifts, around customers’ furniture and floors, and sometimes spray near cars and neighboring homes. Kaufman Insurance Group compares painting contractor insurance from multiple companies to help you protect your business and win jobs.
- Liability for damage to customers’ property
- Coverage for sprayers, ladders, and trailers
- Certificates for homeowners, builders, and property managers
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare painting contractor insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What painting contractor insurance is
Painting contractor insurance is a group of business policies for companies that paint and finish homes and buildings. It helps pay if your work injures someone or damages property, and it protects the equipment and vehicles you use.
Common painting claims include paint spilled on flooring or furniture, overspray that drifts onto cars or neighboring property, and ladder accidents. Exterior painters also face risks from working at heights. Some policies limit coverage for overspray or work above a certain height, so it is important to know what your policy says.
If you also do related work, such as drywall repair, pressure washing, staining, or cabinet refinishing, tell us. Your policy should describe all the work you do so your coverage fits.
Interior painting
Walls, ceilings, trim, and cabinets inside homes and businesses.
Exterior and commercial painting
Siding, decks, and commercial buildings, often with lifts or scaffolding.
Know what you are choosing
Coverages painting contractor businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage your work causes, such as spills or overspray, depending on the policy.
Tools and equipment
Covers sprayers, ladders, scaffolding, and other equipment.
Commercial auto
Covers vans, trucks, and trailers used for your business.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Business owners policy
For painters with a shop or storage space, a package of property and liability coverage.
Umbrella or excess liability
Adds higher limits when commercial or property management contracts require them.
Is it right for you
Who we help
We help painters from solo businesses to large crews.
Residential painters
Interior and exterior painting for homeowners.
Commercial painters
Offices, retail spaces, and multi-unit buildings.
Cabinet and specialty finishers
Cabinet refinishing, staining, and decorative finishes.
Painting and repair businesses
Painters who also do drywall repair or pressure washing.
Spraying on your jobs? Ask an agent how your policy handles overspray.
How Kaufman helps
How we help painting contractor businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the painting work you do, interior or exterior, any spray work, working heights, your crew, and your vehicles.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Painting Contractor Insurance questions
What insurance does a painting contractor need?
Most painters need general liability. Many also need tools coverage, commercial auto, and workers compensation if they have employees.
Is overspray covered?
It depends on the policy. Some policies cover damage from overspray, while others limit it. Tell us if you spray so we can review the wording.
Are there height limits on painting insurance?
Some policies limit coverage for work above certain heights. If you work on tall buildings or use lifts, let us know.
Does general liability cover my tools?
No. General liability covers injuries and damage to other people and their property. Your own tools and equipment need separate coverage, often called inland marine or tools and equipment coverage.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Pressure washing insurance
Coverage for exterior cleaning and prep work.
Explore pressure washing insuranceHandyman insurance
Coverage for general repair businesses.
Explore handyman insuranceGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a painting contractor insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.