What Kind of Insurance Do I Need for a Painting Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Running a painting business involves more than just brushes and ladders—it requires protection from financial risks that can arise on the job. Whether you're painting homes, commercial buildings, or industrial spaces, having the right insurance coverage is essential to safeguard your business, your team, and your reputation.
In this guide, we’ll break down the key types of insurance painting contractors need.
General liability insurance is the cornerstone of protection for painting contractors. It covers third-party claims for:
Property damage (e.g., spilling paint on a client’s carpet)
Bodily injury (e.g., a customer trips over your equipment)
Legal defense costs if you're sued
This policy is often required to bid on commercial jobs or work with property managers.
If you hire employees, workers compensation insurance is legally required in most states. It covers:
Medical expenses for work-related injuries
Lost wages during recovery
Rehabilitation costs
Painting involves ladders, scaffolding, and exposure to chemicals—making injury risks higher than average.
If you use vehicles to transport paint, ladders, or other equipment, commercial auto insurance is essential. It covers:
Accidents involving business vehicles
Property damage and bodily injury
Vehicle theft or vandalism
Personal auto policies typically exclude business use, so this coverage ensures you're protected while on the road.
Whether you operate from a home office, warehouse, or rented shop, commercial property insurance protects your physical assets. It covers:
Damage from fire, theft, or natural disasters
Loss of tools, paint inventory, and office equipment
Business interruption costs
This coverage is vital for contractors who store expensive gear or materials.
Your tools are your livelihood. Contractor equipment insurance covers:
Loss or damage to tools and machinery
Theft from job sites or vehicles
Replacement costs for essential gear
This policy ensures your business can keep running even after unexpected equipment loss.
Umbrella insurance provides an extra layer of protection beyond the limits of your primary policies. It’s especially valuable for painting contractors working on high-value properties or large commercial projects.
It covers:
Excess liability claims that exceed your general liability or auto limits
Legal fees and settlements
Additional protection for unforeseen risks
Final Thoughts
Insurance isn’t just a formality—it’s a strategic investment in your painting business. With the right coverage, you can take on bigger projects, protect your team, and avoid costly setbacks.
Wexford Insurance specializes in painting contractor insurance tailored to your business needs.
👉 Contact Wexford Insurance to learn more.