Exterior Painting Contractors insurance · Nationwide
Coverage built for the ladder, not just the paint can
Exterior work means height, wind-drifted overspray, and, on older homes, federal lead-paint rules. We connect you with specialists who price height-based exterior risk correctly instead of treating it like an interior repaint.
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Coverage exterior painting contractors carry
Exterior work is height work. Two stories of siding mean ladders, staging and lifts for weeks at a time, and the weather decides your schedule, so the risks that price this policy are falls and the things a spray gun reaches when the wind picks up.
General Liability
Third-party property damage and injury. Overspray on cars and neighboring buildings, and damage to siding, glass, and landscaping.
Overspray is the signature exterior claim because it does not stop at the property line. Carriers ask about spray versus brush before almost anything else.
Workers' Compensation
Medical bills and lost wages when a crew member falls from staging, a ladder, or a lift.
Fall protection is OSHA's most-cited standard, and exterior crews are exposed to it all day. This is the coverage that sets the price of an exterior payroll.
Commercial Auto
Trucks and trailers hauling staging, lifts, and sprayers: liability, collision, and hired or non-owned autos.
Towing staging and a lift changes the risk from driving a van. Tell the carrier what you tow; trailers are commonly scheduled separately from the truck.
Tools & Equipment
Staging, ladders, lifts, and airless sprayers stolen from a site or damaged in transit.
Exterior kit stays on the job for weeks and cannot be locked in a van at night. Rented lifts need coverage too, which a blanket limit will not always include.
Commercial Umbrella
Extra limits above general liability and auto for larger residential and commercial contracts.
A fall from height can exhaust a $1M limit on its own, which is the argument for an umbrella here rather than in most painting work.
Commercial Property
Your shop, yard, and stored staging and paint against fire, theft, and storms.
A yard of staging and ladders is worth more than most owners insure it for. Value the pile at replacement cost, not what it was bought for.
FAQFrequently Asked Questions
OSHA's fall-protection standards apply based on the work being performed and height involved, not just whether the job is residential or commercial. Extension ladder and scaffold work on a house exterior is covered.
Exterior work concentrates height/fall risk, wind-affected overspray, and lead-paint exposure on older homes. All distinct from interior painting's property-damage-inside-an-occupied-home risk profile. We price the two differently rather than using one generic painting quote.
EPA RRP certification is required to disturb paint in any home or child care facility built before 1978, regardless of how much paint you're removing, it's a federal rule independent of your insurance.
That's a textbook general liability claim: third-party property damage from your work, even though the damaged property wasn't the one you were hired to paint.