Painting & Decorating Contractors Insurance
Brush up on your business protection.
We coat your painting business with the insurance coverage you actually need so you can prep surfaces, apply finishes, and protect your masterpiece.
One spill can stain your entire business.
Ladders, chemicals, expensive finishes, and client properties—accidents lead to falls, chemical exposure, property damage, and costly rework. You shouldn’t risk everything every time you open a can of paint.
Coverage designed for painters not generic policies.
As a veteran‑owned, total risk solutions partner, we tailor insurance for painting professionals: your crews, equipment, vehicles, materials, and reputation—protected under one roof.
Simple Path to Protection
What painting contractors carry
General Liability
Bodily injury, property damage—e.g., paint spills on expensive flooring or furniture damage.
Workers’ Compensation
Medical/wage benefits for falls, chemical exposure, and repetitive strain injuries. Required with employees.
Commercial Auto
Vans, trucks, and trailers—accidents, liability, and coverage for stolen painting equipment.
Tools & Equipment
Sprayers, compressors, scaffolding, ladders—protected from theft, damage, and breakdown.
Pollution Liability
Chemical spills, VOC emissions, lead paint containment, or improper disposal incidents.
Inland Marine
Mobile equipment, materials, and finishes in transit between job sites and in storage.
Business Interruption
Replaces income during equipment theft recovery or after covered incidents like shop fires.
Umbrella/Excess
Extra limits above GL/Auto—often required for commercial and high-end residential projects.
Professional Liability
Color consultation errors, improper surface preparation, or finish selection mistakes.
Care, Custody & Control
Damage to client property in your care—furniture, flooring, artwork you’re protecting.
Real-World Painting Risks
Falls from Heights
Injuries from ladders, scaffolding, and elevated platforms during surface preparation and painting.
Chemical Exposure
Paint fumes, solvent inhalation, skin irritation, and long-term health effects from chemicals.
Property Damage
Paint spills on floors, furniture, and finishes causing expensive repairs and replacements.
Theft on Job Sites
Stolen equipment, sprayers, and expensive materials from vehicles and active job sites.
Lead Paint Hazards
Containment failures, improper disposal, and health risks from historical lead-based paints.
Equipment Malfunctions
Spray equipment failures causing overspray damage to adjacent surfaces and properties.
Respiratory Issues
Health problems from inadequate ventilation, improper PPE, or chemical sensitivity reactions.
Client Dissatisfaction
Color matching errors, finish quality issues, or project delays leading to disputes and claims.
Total Risk, Total Protection, One Partner
Painting-Specific Coverage
Specialized policy design with chemical safety reviews and equipment-specific protection.
Certificate Management
Fast certificate help for GC, commercial, and HOA project requirements.
Equipment Valuation
Expert equipment valuation and specialized tool coverage for painting machinery.
Lead Paint Safety
Compliance guidance for lead paint containment, removal, and disposal regulations.