Inside or Outside? Finding Insurance for Your Painting Business

When searching for painting insurance for your business, you may find that you’re asked to be specific about the type of painting that you do.

This isn’t meant to be a limiting line of questioning; painting insurance is simply geared towards the type of painting being done, and as a painter, you know that interior and exterior painting can be very different pursuits…they also have very different risks.

Professional House Painter Painting the Trim And Shutters of A Home.
Is your painting business covered?

 

Exterior Painting. One example of the questions you’ll be asked as you seek out a quote for painting insurance for outdoor painting is, “How high up do you go?” It should be obvious that the reason for this is that you (or an employee) can fall as far down as you go up. Risk assessment is a big part of determining the extent of your needs, and the questions you’re asked are to determine the scope of your exposures.

Step ladder and painting tools in modern room. Apartment renovation background.

Interior Painting. Any contracting done inside a home or place of business poses unique risks, and interior painting is no exception. No matter what the skill level of a painter is, accidents happen, and the surroundings they happen in can make a big difference in the type of insurance coverage you require. Whether or not you engage in mostly residential or commercial interior painting will make a difference in the painting insurance that will best suit you.

The method of painting you utilize will come up, as well; whether or not you use brushes or spray guns has an impact on the type of coverage you need.

Certain aspects of painting insurance will be the same no matter what your specific process or whether you specialize in interior or exterior work. Some standard coverages include:

  • General Liability.
  • Workers Compensation.
  • Inland Marine.
  • Commercial Auto.

Talking to an experienced insurance professional who understands your business is key. Preparing for the questions you’ll be asked (“How many employees do you have?” “What are your annual gross receipts?”) will streamline the process and help you determine which plan fits your needs.

Call us today at 1-877-907-5267 for a painting insurance quote for your business, or click here for a free, quick, competitive quote.