Understanding the true cost of painter insurance requires examining real premium data across different states and business sizes. This comprehensive guide provides actual insurance cost benchmarks for painting contractors nationwide, helping you evaluate whether you’re paying competitive rates for your coverage.
Our analysis of over 1,100 insurance quotes from top providers reveals that insurance costs for painters vary significantly based on location, with premiums differing by as much as 300% between states for identical coverage. These variations stem from state regulations, local claim frequencies, medical costs, legal environments, and regional competition among insurers. By understanding typical rates in your state, you can better negotiate with insurers and identify potential savings opportunities.
The premium data presented in this guide reflects rates for established painting businesses with specific characteristics at each revenue level:
- $150K Revenue: Single owner, approximately 10% subcontractor costs, 5+ years claims-free operation
- $500K Revenue: Owner plus 3 employees, approximately 10% subcontractor costs, 5+ years claims-free operation
- $1M Revenue: Owner plus 5 employees, approximately 10% subcontractor costs, 5+ years claims-free operation
These benchmarks represent real-world scenarios for painting contractors who have established stable operations with clean claims histories, providing realistic targets for businesses to work toward.
Before diving into state-specific costs, understanding the types of painter insurance available helps you make informed coverage decisions.
Jump to State
Alabama
The following table shows general liability insurance premiums for painters in Alabama based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.68% to 2.80% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,000 | $1,300 | $4,200 | 35% |
| $500K | $5,300 | $3,400 | $7,700 | 36% |
| $1M | $10,500 | $7,300 | $16,700 | 30% |
Painters in Alabama typically pay $5.55 per $100 of payroll for workers’ compensation insurance.
Alaska
The following table shows general liability insurance premiums for painters in Alaska based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.52% to 1.93% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,600 | $800 | $2,900 | 50% |
| $500K | $3,300 | $2,600 | $4,600 | 21% |
| $1M | $6,300 | $5,200 | $8,400 | 17% |
Painters in Alaska typically pay $5.90 per $100 of payroll for workers’ compensation insurance.
Arizona
The following table shows general liability insurance premiums for painters in Arizona based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.52% to 2.80% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,800 | $1,000 | $4,200 | 44% |
| $500K | $4,400 | $3,100 | $6,100 | 30% |
| $1M | $8,400 | $5,200 | $12,900 | 38% |
Painters in Arizona typically pay $4.87 per $100 of payroll for workers’ compensation insurance.
Arkansas
The following table shows general liability insurance premiums for painters in Arkansas based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.41% to 2.13% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,600 | $1,200 | $3,200 | 25% |
| $500K | $3,800 | $2,700 | $5,000 | 29% |
| $1M | $8,000 | $4,100 | $11,000 | 49% |
Painters in Arkansas typically pay $2.81 per $100 of payroll for workers’ compensation insurance.
California
The following table shows general liability insurance premiums for painters in California based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.72% to 5.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $3,200 | $1,300 | $8,800 | 59% |
| $500K | $5,800 | $3,600 | $7,000 | 38% |
| $1M | $11,400 | $7,500 | $13,700 | 34% |
Painters in California typically pay $7.98 per $100 of payroll for workers’ compensation insurance.
Colorado
The following table shows general liability insurance premiums for painters in Colorado based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.40% to 2.53% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,000 | $1,500 | $3,800 | 25% |
| $500K | $4,900 | $2,600 | $7,200 | 47% |
| $1M | $9,300 | $4,000 | $15,600 | 57% |
Painters in Colorado typically pay $4.60 per $100 of payroll for workers’ compensation insurance.
Connecticut
The following table shows general liability insurance premiums for painters in Connecticut based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.58% to 2.33% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,500 | $2,000 | $3,500 | 20% |
| $500K | $6,900 | $3,600 | $9,400 | 48% |
| $1M | $14,400 | $5,800 | $21,500 | 60% |
Painters in Connecticut typically pay $7.97 per $100 of payroll for workers’ compensation insurance.
Delaware
The following table shows general liability insurance premiums for painters in Delaware based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.63% to 3.07% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,800 | $2,100 | $4,600 | 25% |
| $500K | $7,400 | $3,900 | $9,900 | 47% |
| $1M | $14,100 | $6,300 | $21,900 | 55% |
Painters in Delaware typically pay $7.08 per $100 of payroll for workers’ compensation insurance.
Florida
The following table shows general liability insurance premiums for painters in Florida based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 1.34% to 3.33% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,800 | $2,100 | $5,000 | 25% |
| $500K | $7,700 | $6,700 | $10,050 | 13% |
| $1M | $16,400 | $14,800 | $19,900 | 10% |
Painters in Florida typically pay $7.14 per $100 of payroll for workers’ compensation insurance.
Georgia
The following table shows general liability insurance premiums for painters in Georgia based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.50% to 2.33% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,700 | $900 | $3,500 | 47% |
| $500K | $4,400 | $2,500 | $6,500 | 43% |
| $1M | $8,500 | $5,300 | $14,000 | 38% |
Painters in Georgia typically pay $12.23 per $100 of payroll for workers’ compensation insurance.
Hawaii
The following table shows general liability insurance premiums for painters in Hawaii based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.68% to 1.75% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,800 | $1,500 | $2,625 | 17% |
| $500K | $4,700 | $3,400 | $6,000 | 28% |
| $1M | $9,400 | $6,800 | $11,900 | 28% |
Painters in Hawaii typically pay $7.48 per $100 of payroll for workers’ compensation insurance.
Idaho
The following table shows general liability insurance premiums for painters in Idaho based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.38% to 2.00% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,400 | $1,100 | $3,000 | 21% |
| $500K | $3,900 | $2,500 | $5,300 | 36% |
| $1M | $7,500 | $3,800 | $11,200 | 49% |
Painters in Idaho typically pay $8.85 per $100 of payroll for workers’ compensation insurance.
Illinois
The following table shows general liability insurance premiums for painters in Illinois based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.41% to 2.93% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,400 | $1,500 | $4,400 | 38% |
| $500K | $6,200 | $2,600 | $8,600 | 58% |
| $1M | $11,500 | $4,100 | $18,900 | 64% |
Painters in Illinois typically pay $5.97 per $100 of payroll for workers’ compensation insurance.
Indiana
The following table shows general liability insurance premiums for painters in Indiana based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.42% to 2.67% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,900 | $1,400 | $4,000 | 26% |
| $500K | $5,000 | $2,700 | $7,300 | 46% |
| $1M | $9,700 | $4,200 | $15,200 | 57% |
Painters in Indiana typically pay $2.60 per $100 of payroll for workers’ compensation insurance.
Iowa
The following table shows general liability insurance premiums for painters in Iowa based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.32% to 1.44% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,200 | $600 | $1,600 | 50% |
| $500K | $3,600 | $1,600 | $5,200 | 56% |
| $1M | $7,800 | $3,400 | $14,400 | 56% |
Painters in Iowa typically pay $6.62 per $100 of payroll for workers’ compensation insurance.
Kansas
The following table shows general liability insurance premiums for painters in Kansas based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.41% to 2.53% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,000 | $1,300 | $3,800 | 35% |
| $500K | $4,900 | $2,600 | $7,200 | 47% |
| $1M | $9,800 | $4,100 | $15,500 | 58% |
Painters in Kansas typically pay $4.03 per $100 of payroll for workers’ compensation insurance.
Kentucky
The following table shows general liability insurance premiums for painters in Kentucky based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.53% to 2.40% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,100 | $1,500 | $3,600 | 29% |
| $500K | $5,000 | $3,400 | $6,700 | 32% |
| $1M | $9,800 | $5,300 | $14,400 | 46% |
Painters in Kentucky typically pay $4.00 per $100 of payroll for workers’ compensation insurance.
Louisiana
The following table shows general liability insurance premiums for painters in Louisiana based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 2.06% to 5.33% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $4,700 | $3,400 | $8,000 | 28% |
| $500K | $13,300 | $10,300 | $15,450 | 23% |
| $1M | $28,600 | $22,400 | $34,100 | 22% |
Painters in Louisiana typically pay $6.92 per $100 of payroll for workers’ compensation insurance.
Maine
The following table shows general liability insurance premiums for painters in Maine based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.67% to 2.13% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,700 | $1,000 | $3,200 | 41% |
| $500K | $4,700 | $3,900 | $5,850 | 17% |
| $1M | $9,000 | $7,400 | $12,300 | 18% |
Painters in Maine typically pay $7.55 per $100 of payroll for workers’ compensation insurance.
Maryland
The following table shows general liability insurance premiums for painters in Maryland based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.25% to 1.93% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,300 | $800 | $2,900 | 38% |
| $500K | $2,900 | $1,700 | $5,300 | 41% |
| $1M | $5,700 | $2,500 | $11,100 | 56% |
Painters in Maryland typically pay $4.16 per $100 of payroll for workers’ compensation insurance.
Massachusetts
The following table shows general liability insurance premiums for painters in Massachusetts based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.53% to 2.20% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,800 | $1,300 | $3,300 | 28% |
| $500K | $4,700 | $3,000 | $6,400 | 36% |
| $1M | $8,900 | $5,300 | $13,400 | 40% |
Painters in Massachusetts typically pay $4.05 per $100 of payroll for workers’ compensation insurance.
Michigan
The following table shows general liability insurance premiums for painters in Michigan based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.30% to 2.13% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,900 | $1,100 | $3,200 | 42% |
| $500K | $3,600 | $2,000 | $5,300 | 44% |
| $1M | $7,500 | $3,000 | $11,100 | 60% |
Painters in Michigan typically pay $5.12 per $100 of payroll for workers’ compensation insurance.
Minnesota
The following table shows general liability insurance premiums for painters in Minnesota based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.22% to 2.13% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,700 | $1,000 | $3,200 | 41% |
| $500K | $4,600 | $1,600 | $6,700 | 65% |
| $1M | $8,800 | $2,200 | $12,400 | 75% |
Painters in Minnesota typically pay $7.87 per $100 of payroll for workers’ compensation insurance.
Mississippi
The following table shows general liability insurance premiums for painters in Mississippi based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.29% to 7.07% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $3,100 | $1,200 | $10,600 | 61% |
| $500K | $6,600 | $2,000 | $11,300 | 70% |
| $1M | $11,900 | $2,900 | $19,000 | 76% |
Painters in Mississippi typically pay $4.33 per $100 of payroll for workers’ compensation insurance.
Missouri
The following table shows general liability insurance premiums for painters in Missouri based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.37% to 2.00% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,600 | $1,100 | $3,000 | 31% |
| $500K | $4,400 | $2,400 | $5,800 | 45% |
| $1M | $8,200 | $3,700 | $11,700 | 55% |
Painters in Missouri typically pay $6.70 per $100 of payroll for workers’ compensation insurance.
Montana
The following table shows general liability insurance premiums for painters in Montana based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.74% to 1.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,100 | $1,600 | $2,800 | 24% |
| $500K | $5,600 | $3,700 | $6,700 | 34% |
| $1M | $10,800 | $7,500 | $13,300 | 31% |
Painters in Montana typically pay $8.23 per $100 of payroll for workers’ compensation insurance.
Nebraska
The following table shows general liability insurance premiums for painters in Nebraska based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.58% to 1.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,500 | $1,000 | $2,800 | 33% |
| $500K | $4,300 | $3,100 | $5,700 | 28% |
| $1M | $8,200 | $5,800 | $10,700 | 29% |
Painters in Nebraska typically pay $6.08 per $100 of payroll for workers’ compensation insurance.
Nevada
The following table shows general liability insurance premiums for painters in Nevada based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.68% to 3.07% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,800 | $2,300 | $4,600 | 18% |
| $500K | $7,200 | $4,200 | $9,300 | 42% |
| $1M | $14,100 | $6,800 | $20,500 | 52% |
Painters in Nevada typically pay $4.57 per $100 of payroll for workers’ compensation insurance.
New Hampshire
The following table shows general liability insurance premiums for painters in New Hampshire based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.89% to 2.73% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,300 | $1,500 | $4,100 | 35% |
| $500K | $6,300 | $4,800 | $7,600 | 24% |
| $1M | $12,100 | $8,900 | $16,600 | 26% |
Painters in New Hampshire typically pay $7.28 per $100 of payroll for workers’ compensation insurance.
New Jersey
The following table shows general liability insurance premiums for painters in New Jersey based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 1.42% to 3.93% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $3,600 | $2,600 | $5,900 | 28% |
| $500K | $10,000 | $7,100 | $13,100 | 29% |
| $1M | $19,800 | $14,200 | $26,600 | 28% |
Painters in New Jersey typically pay $12.59 per $100 of payroll for workers’ compensation insurance.
New Mexico
The following table shows general liability insurance premiums for painters in New Mexico based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.41% to 2.60% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,000 | $1,500 | $3,900 | 25% |
| $500K | $4,500 | $2,600 | $5,800 | 42% |
| $1M | $9,600 | $4,100 | $16,000 | 57% |
Painters in New Mexico typically pay $5.38 per $100 of payroll for workers’ compensation insurance.
New York
The following table shows general liability insurance premiums for painters in New York based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 1.16% to 3.20% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $3,000 | $2,200 | $4,800 | 27% |
| $500K | $8,200 | $5,800 | $10,700 | 29% |
| $1M | $16,300 | $11,700 | $21,800 | 28% |
Painters in New York typically pay $13.20 per $100 of payroll for workers’ compensation insurance.
North Carolina
The following table shows general liability insurance premiums for painters in North Carolina based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.28% to 2.00% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,400 | $700 | $3,000 | 50% |
| $500K | $3,500 | $1,400 | $5,800 | 60% |
| $1M | $7,000 | $2,900 | $12,200 | 59% |
Painters in North Carolina typically pay $6.91 per $100 of payroll for workers’ compensation insurance.
North Dakota
The following table shows general liability insurance premiums for painters in North Dakota based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.65% to 1.60% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,700 | $1,200 | $2,400 | 29% |
| $500K | $5,100 | $4,200 | $7,000 | 18% |
| $1M | $9,800 | $6,500 | $12,700 | 34% |
Painters in North Dakota typically pay $2.54 per $100 of payroll for workers’ compensation insurance.
Ohio
The following table shows general liability insurance premiums for painters in Ohio based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.29% to 1.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,300 | $900 | $2,800 | 31% |
| $500K | $3,500 | $2,000 | $5,100 | 43% |
| $1M | $6,700 | $2,900 | $10,500 | 57% |
Painters in Ohio typically pay $3.93 per $100 of payroll for workers’ compensation insurance.
Oklahoma
The following table shows general liability insurance premiums for painters in Oklahoma based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.28% to 3.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,800 | $1,100 | $5,800 | 39% |
| $500K | $4,500 | $1,900 | $6,500 | 58% |
| $1M | $7,900 | $2,800 | $10,900 | 65% |
Painters in Oklahoma typically pay $6.27 per $100 of payroll for workers’ compensation insurance.
Oregon
The following table shows general liability insurance premiums for painters in Oregon based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.35% to 2.40% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,600 | $1,000 | $3,600 | 38% |
| $500K | $4,100 | $2,300 | $6,900 | 44% |
| $1M | $7,900 | $3,500 | $14,800 | 56% |
Painters in Oregon typically pay $3.62 per $100 of payroll for workers’ compensation insurance.
Pennsylvania
The following table shows general liability insurance premiums for painters in Pennsylvania based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.54% to 4.40% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $3,100 | $1,600 | $6,600 | 48% |
| $500K | $10,200 | $3,800 | $14,900 | 63% |
| $1M | $16,900 | $5,400 | $21,700 | 68% |
Painters in Pennsylvania typically pay $8.35 per $100 of payroll for workers’ compensation insurance.
Rhode Island
The following table shows general liability insurance premiums for painters in Rhode Island based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.53% to 2.93% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,500 | $1,800 | $4,400 | 28% |
| $500K | $6,200 | $3,300 | $8,200 | 47% |
| $1M | $12,000 | $5,300 | $18,000 | 56% |
Painters in Rhode Island typically pay $8.10 per $100 of payroll for workers’ compensation insurance.
South Carolina
The following table shows general liability insurance premiums for painters in South Carolina based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.56% to 4.47% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,900 | $1,100 | $6,700 | 62% |
| $500K | $7,100 | $2,800 | $13,200 | 61% |
| $1M | $15,500 | $5,900 | $29,800 | 62% |
Painters in South Carolina typically pay $8.43 per $100 of payroll for workers’ compensation insurance.
South Dakota
The following table shows general liability insurance premiums for painters in South Dakota based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.41% to 2.53% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,100 | $1,600 | $3,800 | 24% |
| $500K | $5,800 | $2,700 | $8,000 | 53% |
| $1M | $10,900 | $4,100 | $16,700 | 62% |
Painters in South Dakota typically pay $5.15 per $100 of payroll for workers’ compensation insurance.
Tennessee
The following table shows general liability insurance premiums for painters in Tennessee based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.44% to 2.80% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,900 | $1,000 | $4,200 | 47% |
| $500K | $4,800 | $2,200 | $7,800 | 54% |
| $1M | $9,400 | $4,600 | $17,100 | 51% |
Painters in Tennessee typically pay $4.42 per $100 of payroll for workers’ compensation insurance.
Texas
The following table shows general liability insurance premiums for painters in Texas based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.62% to 1.73% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,700 | $1,200 | $2,600 | 29% |
| $500K | $4,400 | $3,400 | $5,600 | 23% |
| $1M | $8,700 | $6,200 | $11,200 | 29% |
Painters in Texas typically pay $2.96 per $100 of payroll for workers’ compensation insurance.
Utah
The following table shows general liability insurance premiums for painters in Utah based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.54% to 4.80% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,200 | $1,400 | $7,200 | 36% |
| $500K | $5,300 | $3,400 | $7,900 | 36% |
| $1M | $9,500 | $5,400 | $12,200 | 43% |
Painters in Utah typically pay $4.38 per $100 of payroll for workers’ compensation insurance.
Vermont
The following table shows general liability insurance premiums for painters in Vermont based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.38% to 1.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,500 | $900 | $2,800 | 40% |
| $500K | $3,200 | $2,100 | $5,300 | 34% |
| $1M | $7,400 | $3,800 | $11,000 | 49% |
Painters in Vermont typically pay $8.36 per $100 of payroll for workers’ compensation insurance.
Virginia
The following table shows general liability insurance premiums for painters in Virginia based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.33% to 1.07% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,100 | $800 | $1,600 | 27% |
| $500K | $2,700 | $1,700 | $3,700 | 37% |
| $1M | $5,100 | $3,300 | $6,600 | 35% |
Painters in Virginia typically pay $4.67 per $100 of payroll for workers’ compensation insurance.
Washington
The following table shows general liability insurance premiums for painters in Washington based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.24% to 1.75% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,000 | $1,500 | $2,625 | 25% |
| $500K | $5,200 | $2,000 | $6,700 | 62% |
| $1M | $9,600 | $2,400 | $13,400 | 75% |
Painters in Washington typically pay $5.48 per $100 of payroll for workers’ compensation insurance.
West Virginia
The following table shows general liability insurance premiums for painters in West Virginia based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.44% to 2.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $2,400 | $1,600 | $4,300 | 33% |
| $500K | $6,300 | $2,900 | $8,200 | 54% |
| $1M | $11,900 | $4,400 | $18,000 | 63% |
Painters in West Virginia typically pay $3.10 per $100 of payroll for workers’ compensation insurance.
Wisconsin
The following table shows general liability insurance premiums for painters in Wisconsin based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.38% to 2.27% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,800 | $1,200 | $3,400 | 33% |
| $500K | $5,100 | $2,500 | $6,300 | 51% |
| $1M | $9,600 | $3,800 | $13,400 | 60% |
Painters in Wisconsin typically pay $7.66 per $100 of payroll for workers’ compensation insurance.
Wyoming
The following table shows general liability insurance premiums for painters in Wyoming based on $1M per occurrence and $2M aggregate coverage limits. Premiums typically range from 0.60% to 1.87% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150K | $1,500 | $900 | $2,800 | 40% |
| $500K | $3,900 | $3,200 | $5,200 | 18% |
| $1M | $7,500 | $6,000 | $10,700 | 20% |
Painters in Wyoming typically pay $3.48 per $100 of payroll for workers’ compensation insurance.
Take Control of Your Painter Insurance Costs Today
After analyzing painter insurance costs across all 50 states, one thing is crystal clear: the difference between average and favorable rates can mean thousands of dollars in savings annually. Our data shows that painting contractors are potentially leaving significant money on the table – with possible savings ranging from 20% to 65% depending on your state and business size.
Consider this: a painting business with $500,000 in revenue could save an average of $2,190 per year simply by finding the right carrier. For million-dollar operations, that savings jumps to nearly $5,000 annually. Over five years, that’s $25,000 that could be reinvested in equipment, marketing, or business growth instead of overpaying for insurance.
The challenge has always been finding these favorable rates. Insurance companies don’t advertise their best prices, and most agents represent only a handful of carriers. That’s where specialized platforms make the difference.
ContractorNerd changes the game for painting contractors. Our platform was built specifically for trades businesses, with technology that understands the unique risks and needs of painting contractors. We’ve partnered with carriers who actively want painter business and offer the competitive rates shown throughout this guide.
Here’s what you can do right now:
Get Your Custom Quote in Minutes Visit ContractorNerd today to see real quotes from painter-friendly insurers. Our platform instantly compares rates from multiple carriers, showing you exactly where you can save. There’s no obligation, no pushy sales calls, and no hidden fees.
What You’ll Discover:
- Your actual savings potential based on your specific business
- Side-by-side comparisons of coverage options
- Which carriers offer the best rates for painters in your state
- Additional discounts you may qualify for
Same-Day Coverage Available Found a better rate? You can secure your new policy immediately and start saving. Our platform handles all the paperwork digitally, making the switch seamless. Most painters complete the entire process in under 15 minutes.
Don’t Wait to Start Saving Every month you delay is money left on the table. The data in this guide proves that better rates exist – the only question is whether you’ll take action to capture those savings. With ContractorNerd’s no-obligation quote platform, you have nothing to lose and potentially thousands to gain.
[Get Your Free Quote Now] and discover why thousands of painting contractors trust ContractorNerd to find better coverage at lower costs. Join the painters who are already saving 20-40% on their insurance premiums while maintaining excellent protection.
Your business deserves insurance that works as hard as you do – at a price that makes sense. See your savings potential today at ContractorNerd.com.