Painters insurance · Nationwide
Coverage built for overspray, ladders, and lead-safe work
One drifting spray job or a fall from an extension ladder can cost more than the contract was worth. We connect you with specialists who understand painting-specific risk. Interior, exterior, and lead-safe crews alike.
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Coverage painters carry
Painting is low-severity work with high-frequency exposure: you are in other people's finished rooms, on other people's ladders, every day. Add the EPA's lead rules on anything pre-1978 and the paperwork matters as much as the drop cloths.
General Liability
Third-party property damage and injury. Overspray, spills, and damage to the finishes around your work.
Frequency, not severity, is what rates this trade. Carriers care how much pre-1978 housing you touch, because a lead violation and a claim often arrive together.
Workers' Compensation
Medical bills and lost wages when a crew member falls from a ladder or reacts to solvent fumes.
Required in nearly every state once anyone is on payroll. Ladders drive the rate; exterior and interior crews are often classed differently, so split payroll properly.
Commercial Auto
Vans and trailers carrying paint, sprayers, and staging: liability, collision, and hired or non-owned autos.
A van of solvent and a trailer of staging is business use, which personal auto excludes. Add hired and non-owned if crew ever drive their own cars between jobs.
Tools & Equipment
Sprayers, compressors, ladders, and staging stolen from the trailer or damaged on site.
Airless rigs and staging are the theft target and they live outside your premises. Property policies stop at the shop; this follows the kit to the job.
Commercial Umbrella
Extra limits above general liability and auto when a commercial or property-management contract asks for them.
Property managers and commercial GCs routinely want $2M-$5M before a crew is allowed in an occupied building. An umbrella is the cheapest route there.
Commercial Property
Your shop, stored paint and solvent, and shop equipment against fire, theft, and storms.
Stored solvent changes how a carrier looks at your building. Expect questions about cabinets and ventilation before they will write the property side.
FAQFrequently Asked Questions
They're separate things. EPA RRP certification is a federal requirement for disturbing paint in pre-1978 housing, independent of insurance, but if a lead-exposure claim follows from uncertified work, your general liability coverage (and the size of the claim) depends on whether you were operating compliantly.
Yes: general liability covers third-party property damage, and drifting overspray onto a parked car or fence is one of the most common claims painters file.
That's what completed-operations coverage, part of your general liability policy, is built for. Claims from peeling, bubbling, or failure that surface well after you've been paid.
Yes: inland marine (contractors' equipment coverage) protects sprayers, lifts, and other equipment while it travels between job sites, which standard property coverage usually excludes.