Insurance for Painters

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General Liability insurance for Painters

A General Liability insurance policy protects painters against claims and lawsuits that may arise from a bodily injury sustained by a third-party or damage to a third party’s property. It may also be referred to or sold as Commercial General Liability (CGL) insurance or “slip and fall” coverage. The coverage provided by these policies is important for painters and other contractors who provide clients with physical services, interact with outside parties on a regular basis, or meet with clients for business-related activities on worksites or other third-party locations.

Did you know?

General Liability insurance also provides coverage against allegations that are false or without merit.

Why do painters need General Liability insurance?

A simple coat of paint can do a lot to improve a property’s appearance and market value. That’s why quality painters like you are in high demand with residential and commercial clients. While a booming business is good for your bottom line, it also opens you up to many potential risks.

Clients, subcontractors, delivery people and vendors could make a claim against you for injuries or property damage. Consider this: Another contractor trips over a paint can left out at a worksite and requires stitches. Since it was your tools that caused the injury, you could be found liable and forced to pay the contractor’s medical bills.

General Liability insurance for painters covers the costs associated with injury claims made by third parties, so you don’t have to. Your commercial painting insurance will also provide coverage for third-party property damage, so if you accidentally break or otherwise harm someone else’s property while on the job, your business will be protected financially.


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What does Insurance for Painters cover?

General Liability insurance for painters covers claims and lawsuits resulting from:

  • Third party injuries
  • Third party property damage


This form of painting contractor insurance also provides coverage for baseless or false claims. It can be just as expensive for businesses to defend against a meritless claim as one that does have merit. A General Liability policy can help your painting business stay afloat if a false claim is ever made against you.

What is not covered?

General Liability Painting Cover does not protect business against:

  • Professional errors
  • Employee injuries and illnesses
  • Damage to your business tools and other property
  • Damage to your employees’ tools and personal property
  • Auto accidents


Additional forms of insurance for painters may be available to help your small business manage these and other risks you may face.

Who needs Painters Insurance?

Small business owners want to shield their small businesses against financially devastating claims, no matter what industry they are working in. Contractors who might consider General Liability insurance include:

  • Residential painters – Help homeowners freshen up their homes, inside and out, while protecting your small business.
  • Commercial painters – Offer painting services to other businesses and commercial properties with more peace of mind thanks to painting contractor insurance.
  • Industrial painters – Take on larger painting contracts, such as bridges and other infrastructure projects, with the confidence that insurance for painters can provide.
  • Auto painting businesses – Customize cars, trucks, motorcycles and more with painting coverage to back you up.
  • Graffiti artists – Apply your creative painting talents to custom murals and protect yourself and your clients.
  • Other contractors – Painters aren’t the only tradespeople who might benefit from General Liability coverage! Contractors of all specialties may want to consider buying a policy.


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How much does General Liability insurance for painters costs?

The cost of General Liability insurance can vary widely from one painting business to another. A sole proprietor will likely pay less for painting contractor insurance than a business employing several painters.

Factors that impact painting cover premiums include:

  • The services you offer – Such as residential, commercial, industrial or auto painting.
  • Your business’ annual revenue and turnover – Larger contracts may present more risk to your business and insurer.
  • Who is being covered and their qualifications – Depending on your business size and structure, you may need to cover multiple types of employees working in various capacities.
  • How much coverage you need – You may be required by state or local law to maintain minimum levels of coverage.
  • Your past claims history – Insurers may also consider the risk management steps you’ve put in place to help avoid future claims.


Comparing quotes from different insurers can be a good way to understand how much you can expect to pay for commercial painting insurance.

Coverage options for painters

BizInsure understands the insurance needs of painters. That’s why we’ve made it fast and easy to find, compare and buy General Liability coverage.

Why choose BizInsure for Painters Insurance?

BizInsure is in the business of helping small businesses find the insurance they need.

  • “Click or call” to compare quotes in minutes either online or over the phone
  • No long application or complicated paperwork necessary
  • Get quotes from only top-tier insurance companies (A-rated or better)
  • Receive your certificate of insurance instantly via email
  • Friendly customer services available at every step of the way


Get insurance for painters with BizInsure – start a quote online or call us to get started today!


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Frequently Asked Questions

Is General Liability required by law for painters?

In some areas, General Liability insurance is required by law for painters. Some state, cities or local areas will ask for proof of insurance before issuing you with a painting contractor license. You may be required to maintain minimum levels of General Liability coverage to remain licensed. It is advisable to check with your state, city or local government to understand the licensing and insurance requirements in your area.

Even if General Liability insurance is not required by law in your area, you may still need a policy to lease commercial business space or to work with certain clients. A policy can provide your business with important coverage that can protect your business financially.

Do I need General Liability insurance to receive a painter’s license?

Some states require painters to provide proof of General Liability insurance in order to become licensed. This may also be required by your city or local government. Typically, you will need to maintain a minimum level of General Liability coverage to obtain and remain a licensed painter.

State or local governments may require painters to have General Liability insurance to help protect the public should they suffer an injury or property damage due to actual or alleged negligence on your part. However, a policy can also protect your business from the potentially devastating effects of a general liability claim or lawsuit.

We advise checking with your state, city or local government for up-to-date licensing requirements in your area.

How can I get a certificate of insurance?

A Certificate of Insurance (COI) is proof that you are covered by General Liability or other forms of insurance. Your clients, businesses that you subcontract for, or your commercial landlord may ask for a COI before working with you.

You will receive a COI instantly via email after purchasing General Liability insurance for painters with BizInsure. COIs can be downloaded or requested through your account if you ever need additional copies.

Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
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05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
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23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
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18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
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17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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01:52 12 Sep 20
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Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
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16:45 24 Aug 20
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19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
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22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
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Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17

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