Average Insurance Cost for a Painting Contractor in 2026
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
Running a painting contractor business comes with risks, and insurance is essential for protecting your company, employees, and equipment. One common question contractors have is: How much will insurance cost in 2026?
In this guide, we’ll break down the average insurance cost for painting contractors, the factors that affect pricing, and how you can get a customized quote from Wexford Insurance.
Why Understanding Insurance Costs Matters
Insurance premiums can vary widely depending on your business size, coverage needs, and location. Understanding what influences cost ensures you get adequate protection without overpaying.
Typical risks include:
Accidents causing injury to employees or clients
Property damage to clients’ homes or businesses
Theft or damage to tools and equipment
Legal claims for errors, omissions, or poor workmanship
Without proper insurance, even a single claim could cost thousands.
Average Insurance Costs for Painting Contractors in 2026
While costs vary, here’s a general overview for small to medium-sized painting contractors:
General Liability Insurance: $400 – $1,500/year
Workers’ Compensation Insurance: $2,000 – $6,000/year (varies by state and number of employees)
Commercial Property Insurance: $500 – $2,000/year
Commercial Auto Insurance: $1,200 – $3,000/year per vehicle
Professional Liability Insurance: $500 – $1,500/year
Umbrella Insurance: $300 – $1,000/year
Factors That Affect Your Insurance Premium
Business Size & Revenue – Larger companies with more employees generally pay higher premiums.
Coverage Limits – Higher coverage limits increase cost but provide more protection.
Claims History – Companies with prior claims may face higher premiums.
Location – Certain states or regions have higher insurance costs due to local regulations or risks.
Safety Practices – Companies with strong safety protocols often qualify for discounts.
Bundle multiple policies with one provider (e.g., general liability, property, and auto).
Maintain a strong safety program to reduce workplace injuries.
Regularly review and adjust coverage to avoid paying for unneeded policies.
Work with an experienced insurance agent like Wexford Insurance to find the most cost-effective solution.
Why Choose Wexford Insurance
Wexford Insurance specializes in small business coverage for painting contractors. They provide:
Personalized quotes tailored to your business needs
Guidance on coverage options and limits
Assistance in finding cost-effective ways to protect your business
