Let’s break down the biggest risks painters face without insurance and explain why having the right coverage matters.
Property Damage Risks for Painters
Say a paint spills on hardwood floors, someone oversprays on a client’s car, or a ladder scrapes against finished walls…all of these happen more often than you’d think. Even a small mistake can result in costly repairs or replacements.
Without insurance: You could be paying out of pocket for damages.
With insurance: General liability helps cover property damage claims, including cleanup and repairs.
Liability Insurance for Painters: Protecting Against Injuries
Buckets, ladders, cords, and drop cloths are tripping hazards. If a homeowner or bystander slips and gets hurt, you may be responsible for their medical bills.
Without insurance: You could be on the hook for hospital bills, lost wages, or even legal fees.
With insurance: General liability covers third-party bodily injuries and related costs.
Workers Comp Insurance for Painting Contractors
Painting often involves ladders, scaffolding, and repetitive movements, all of which increase the chance of falls, strains, or accidents.
Without insurance: One injury could sideline your income or leave you paying employee medical costs yourself.
With insurance: Workers compensation covers medical expenses, lost wages, and rehabilitation for injured employees.
Health Risks from Paint and Chemicals
Long-term exposure to fumes and chemicals poses health risks for painters. If an employee develops a condition related to their work, they may file a claim.
Without insurance: You could be facing legal action or medical bills.
With insurance: Workers compensation can respond, and proper coverage ensures your team is protected.
Theft or Damage to Tools and Equipment
Sprayers, ladders, and specialty brushes aren’t cheap, and job site theft is common.
Without insurance: Replacing stolen or damaged equipment comes out of your pocket.
With insurance: Contractors equipment or inland marine coverage protects your tools in transit, on the job, or in storage.
Painting may look simple from the outside, but behind every brushstroke is a set of risks that could cost you your business if you’re uninsured. Insurance doesn’t just protect against accidents; it gives you peace of mind to focus on your craft.
At Leavitt Select Insurance, we help painters and contractors find insurance that fits their business. From liability to workers compensation to tool coverage, we’ll make sure you’re protected where it counts, so you can focus on delivering a perfect finish.
Wondering if your current coverage is enough? Contact us today to talk with one of our local advisors about insurance for painters.
Frequently Asked Questions
Do painters really need insurance?
Yes. Even small mistakes or accidents can lead to major financial losses. Insurance protects your business, clients, and reputation.
What types of insurance do painting contractors need?
Most painters need general liability, workers comp, and equipment coverage. Some may also need commercial auto or umbrella policies.
Can independent painters get insurance?
Yes, independent contractors can (and should) carry their own coverage. Many clients require proof of insurance before hiring.
Does painter’s insurance cover stolen tools?
Yes, if you have contractor’s equipment or inland marine coverage added to your policy.
How Much Does Painter’s Insurance Cost?
The cost of painter’s insurance depends on your business size, services, and coverage needs. On average, painting contractors can expect to pay:
General liability insurance: $400–$1,500 annually
Workers compensation: Varies based on payroll and state requirements
Tools & equipment coverage: Typically affordable add-ons
Getting a personalized quote is the best way to understand your exact cost.
