- 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
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Protect your business from paint spills, ladder falls, and property damage claims. Painter insurance covers the unique risks of working with ladders, sprayers, and expensive painting equipment in other people’s homes and businesses.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Painting seems low-risk, but one spilled bucket, one dropped roller, or one ladder tipping over can cost you thousands. Clients expect perfection and when something goes wrong, they expect you to pay for it. Without proper coverage, a single mistake can paint your business into a corner.
A roller tray tips over on a client's brand-new hardwood floor. Your painter’s liability insurance covers the full cost of floor replacement and refinishing.
A painter falls off an extension ladder while reaching for a high corner, breaking their wrist. Painting business insurance covers all medical bills and lost wages.
Wind blows paint overspray onto a neighbor's parked vehicle. Your general liability insurance for painters covers the auto body repair costs and any legal claims.
Thieves break into your work trailer and steal your $3,000 airless sprayer and compressor. Your painting insurance policy covers the full replacement cost.
A complete painting company insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed on a job site.
Whether you’re doing residential repaints, commercial build-outs, or industrial coating applications, we have a house painter insurance program designed for your specific scope of work and risk profile, because a residential interior painter and an industrial coating specialist need completely different coverage.
Interior and exterior home painting, cabinet refinishing, deck staining, fence painting, garage floors
Office buildings, retail stores, restaurants, hotels, apartment complexes, warehouse floors
Factory equipment coating, structural steel painting, epoxy flooring, tank lining, marine coatings
House washing, deck cleaning, driveway and sidewalk pressure washing, graffiti removal
Kitchen cabinet painting, lacquer finishing, furniture refinishing, custom color matching
Texture application, drywall repair, popcorn ceiling removal, joint compound finishing
Every state has different requirements for painting licensing and insurance minimums. We help you stay compliant with state laws, and help you win contracts that require painting insurance coverage like additional insured endorsements and certificates of insurance.
Painting insurance cost depends on your annual revenue, number of employees, type of painting work, and claims history. Residential interior painters pay less than industrial coating specialists or high-rise exterior painters.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most painting contracts
COI issuance, Certificate of Insurance when you need it
Carrier partners, we shop for the best rate for your trade
Painters insured across the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
Painting license (if required), annual revenue, payroll, number of employees, and typical project scope; residential, commercial, or industrial
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Umbrella based on your specific painting operations
Receive clear quotes from multiple A-rated painting insurance companies, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for permits, bids, and property owner requirements
Yes, most property owners and general contractors will not hire an uninsured painter. Additionally, your personal health insurance may exclude workplace injuries. Painter and decorator insurance are essential even for sole proprietors working alone.
Yes, that’s exactly what general liability is for. A tipped roller tray, spilled five-gallon bucket, or sprayer malfunction that damages client property is covered under general liability insurance for painters. No deductible for the claim.
General liability covers damage during your work, spilling paint on a client’s floor. Completed operations covers claims after you finish, paint peeling or fading six months later due to improper prep. Painting insurance policy should include both.
Yes, we offer painting insurance quotes online in under 10 minutes. Just tell us your revenue, payroll, project types, and claims history. Same-day binding and instant COI available. A quick call often saves you money on your premium.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. Property managers and HOAs require COIs before you step on the property. Painting business insurance is worthless if you can’t prove it before the job starts.
Complete coverage for GCs who hire painting subs, including additional insured requirements and waiver of subrogation
Liability and tools coverage for drywall installers and finishers who work alongside painters on new construction
Specialized coverage for power washing professionals, including chemical spray liability and surface damage protection
Flexible coverage for multi-trade professionals who do painting alongside electrical, plumbing, and general repairs
Targeted coverage for lacquer finishing, spray booth operations, and custom color matching professionals
Specialized coverage for epoxy flooring, garage floor coatings, and industrial floor painting contractors
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
