As a painter or painting contractor, having the right insurance is essential to safeguard your business. General liability insurance helps cover expenses if your work causes property damage, bodily injury, or personal injury to others. Without proper coverage, a single lawsuit could ruin your company financially.

This guide will explain the essentials of general liability insurance for painters and painting contractors. It covers key topics like what’s included in a policy, typical costs, and how to get coverage. For more information on GL, please read our Guide to General Liability Insurance for Contractors.

We’ve also analyzed a sample of 916 painter liability insurance premiums from leading providers nationwide for different business sizes. While your specific risk and premium may vary, this overview provides a helpful starting point for understanding typical rates based on your location and company size.

What is Painters Liability Insurance and What Does it Cover?

General liability insurance is crucial for painters and painting contractors to protect against claims of bodily injury, property damage, personal injury, and completed operations. Coverage includes legal fees, repairs, medical bills, and other expenses if you’re held liable. Painting work carries inherent risks such as paint spills, chemical damage, ladder accidents, toxic fumes, fire hazards, and slips and falls. General liability helps to mitigate these risks with cover for:

  • Bodily injury: Medical costs and damages if someone is injured due to your work.
  • Property damage: Repair expenses if you accidentally damage a client’s property.
  • Personal injury: Defends against lawsuits related to negligence or reputation harm.
  • Completed operations: Covers injury/damage claims that arise after you finish a project.

Without proper general liability insurance, your painting business is exposed to significant liability risk. This policy provides crucial and affordable protection that no painter should operate without.

What Painting Risks Are NOT Covered By General Liability Insurance?

General liability insurance for painters covers a wide range of situations, but not everything. Some common things it doesn’t cover are:

  • Work you’re not trained or qualified to do
  • Damage or harm you cause on purpose or through illegal acts
  • Normal wear and tear or fading of paint over time
  • Mistakes in your own work, like peeling paint
  • Damage to your own tools or equipment
  • Accidents involving your vehicles or driving
  • Injuries to your own employees
  • Damage from existing problems or things out of your control

To make sure you’re fully protected, you’ll likely need other types of insurance too, like auto, inland marine, and workers’ compensation.

ContractorNerd’s Study: Cost of General Liability Insurance For Painters

We looked at insurance costs for painter liability in all 50 states for different sized painting businesses. While the 916 GL quotes we analyzed may not match your exact situation, they give you a general idea of what to expect based on your business size and location. Here’s a quick overview of what we found.

  • Sole Proprietor Painter ($150K Revenue) – $1,100 to $4,700
  • Small Painting Contractor ($500K Revenue) – $2,700 to $13,300
  • Medium Painting Contractor ($1M Revenue) – $5,100 to $28,600

For a small painting contractor grossing around $150k per year, a typical insurance premium may be in the $2K range, while a 5-person contractor doing $1M in revenue may pay around $10K annually.

New painting ventures starting without any history may pay 25%+ more initially, as insurers need time to evaluate the risk. After successfully operating for several years without any incidents, premiums often decrease, reflecting a more favorable risk assessment.

Below is a table summarizing typical general liability insurance premiums for painters and painting contractors based on a sample of states. Each scenario assumes the following for each revenue size:

  • $100K Revenue: Assumes 1 owner and 1 employee with < 10% subcontracting costs and 5+ years of operating without claims.
  • $500K Revenue: Assumes 1 owner and 3 employees with < 10% subcontracting costs and 5+ years of operating without claims.
  • $1M Revenue: Assumes 1 owner and 5 employees with < 10% subcontracting costs and 5+ years of operating without claims.

Average Painter General Liability Insurance Premiums

State$150K Revenue$500K Revenue$1M Revenue
Alabama$2,000$5,300$10,500
Alaska$1,600$3,300$6,300
Arizona$1,800$4,400$8,400
Arkansas$1,600$3,800$8,000
California$3,200$5,800$11,400
Colorado$2,000$4,900$9,300
Connecticut$2,500$6,900$14,400
Delaware$2,800$7,400$14,100
Florida$2,800$7,700$16,400
Georgia$1,700$4,400$8,500
Hawaii$1,800$4,700$9,400
Idaho$1,400$3,900$7,500
Illinois$2,400$6,200$9,700
Indiana$1,900$5,000$9,700
Iowa$1,200$3,600$7,800
Kansas$2,000$4,900$9,800
Kentucky$2,100$5,000$9,800
Louisiana$4,700$13,300$28,600
Maine$1,700$4,700$9,000
Maryland$1,300$2,900$5,700
Massachusetts$1,800$4,700$8,900
Michigan$1,900$3,600$7,500
Minnesota$1,700$4,600$8,800
Mississippi$3,100$6,600$11,900
Missouri$1,600$4,400$8,200
Montana$2,100$5,600$10,800
Nebraska$1,500$4,300$8,200
Nevada$2,800$7,200$14,100
New Hampshire$2,300$6,300$12,100
New Jersey$3,600$10,000$19,800
New Mexico$2,000$4,500$9,600
New York$2,600$7,222$14,300
North Carolina$1,400$3,500$7,000
North Dakota$1,700$5,100$9,800
Ohio$1,300$3,500$6,700
Oklahoma$1,800$4,500$7,900
Oregon$1,600$4,100$7,900
Pennsylvania$3,100$10,200$16,900
Rhode Island$2,500$6,200$12,000
South Carolina$2,900$7,100$15,500
South Dakota$2,100$5,800$10,900
Tennessee$1,900$4,800$9,400
Texas$1,700$4,400$8,700
Utah$2,200$5,300$9,500
Vermont$1,500$3,200$7,400
Virginia$1,100$2,700$5,100
Washington$1,800$4,400$8,100
West Virginia$2,400$6,300$11,900
Wisconsin$1,800$5,100$9,600
Wyoming$1,500$3,900$7,500

These figures should be used as a guide, and specific premiums can vary based on factors like location, type of painting services offered, and other unique characteristics of the business. It may be beneficial to consult with an insurance professional who specializes in the painting industry to get an accurate quote tailored to your particular situation.

ContractorNerd’s Study: Potential Savings For Painter Liability

Because risk profiles vary so much between contractors based on services, equipment, project types, locations, revenues, and past claims, standard “one size fits all” policies often leave painters underinsured or overpaying. Policy coverage is key.

Working with an independent insurance agent familiar with the painting industry helps structure tailored coverage and cost-saving measures like:

  • Matching liability limits and deductibles to likely risk scenarios.
  • Considering supplementary completed operations coverage.
  • Meeting unique state/local insurance requirements.
  • Tailoring policies or incorporating group discounts.
  • Excluding secondary risks when possible to lower premiums.

With professional guidance, painters avoid overpaying for unnecessary protections while still covering their largest liability risks. The peace of mind and sheer financial protection make general liability insurance an essential safeguard for any prudent painting business owner.

To better illustrate the value of working with an independent agent who specializes in working with painters and painting businesses, we’ve compiled some data below to illustrate what favorable insurance premiums look like and their implied savings as a percentage saving over the typical premiums above.

Favorable Rates & Implied Savings on Painter General Liability Insurance Premiums

State$150K Revenue$500K Revenue$1M Revenue
Favorable RateImplied SavingsFavorable RateImplied SavingsFavorable RateImplied Savings
Alabama$1,30035%$3,40036%$7,30030%
Alaska$80050%$2,60021%$5,20017%
Arizona$1,00044%$3,10030%$5,20038%
Arkansas$1,20025%$2,70029%$4,10049%
California$1,30059%$3,60038%$7,50034%
Colorado$1,50025%$2,60047%$4,00057%
Connecticut$2,00020%$3,60048%$5,80060%
Delaware$2,10025%$3,90047%$6,30055%
Florida$2,10025%$6,70013%$14,80010%
Georgia$90047%$2,50043%$5,30038%
Hawaii$1,50017%$3,40028%$6,80028%
Idaho$1,10021%$2,50036%$3,80049%
Illinois$1,50038%$2,60058%$4,10064%
Indiana$1,40026%$2,70046%$4,20057%
Iowa$60050%$1,60056%$3,40056%
Kansas$1,30035%$2,60047%$4,10058%
Kentucky$1,50029%$3,40032%$5,30046%
Louisiana$3,40028%$10,30023%$22,40022%
Maine$1,00041%$3,90017%$7,40018%
Maryland$80038%$1,70041%$2,50056%
Massachusetts$1,30028%$3,00036%$5,30040%
Michigan$1,10042%$2,00044%$3,00060%
Minnesota$1,00041%$1,60065%$2,20075%
Mississippi$1,20061%$2,00070%$2,90076%
Missouri$1,10031%$2,40045%$3,70055%
Montana$1,60024%$3,70034%$7,50031%
Nebraska$1,00033%$3,10028%$5,80029%
Nevada$2,30018%$4,20042%$6,80052%
New Hampshire$1,50035%$4,80024%$8,90026%
New Jersey$2,60028%$7,10029%$14,20028%
New Mexico$1,50025%$2,60042%$4,10057%
New York$2,20027%$5,80029%$11,70028%
North Carolina$70050%$1,40060%$2,90059%
North Dakota$1,20029%$4,20018%$6,50034%
Ohio$90031%$2,00043%$2,90057%
Oklahoma$1,10039%$1,90058%$2,80065%
Oregon$1,00038%$2,30044%$3,50056%
Pennsylvania$1,60048%$3,80063%$5,40068%
Rhode Island$1,80028%$3,30047%$5,30056%
South Carolina$1,10062%$2,80061%$5,90062%
South Dakota$1,60024%$2,70053%$4,10062%
Tennessee$1,00047%$2,20054%$4,60051%
Texas$1,20029%$3,40023%$6,20029%
Utah$1,40036%$3,40036%$5,40043%
Vermont$90040%$2,10034%$3,80049%
Virginia$80027%$1,70037%$3,30035%
Washington$1,50025%$2,00062%$2,40075%
West Virginia$1,60033%$2,90054%$4,40063%
Wisconsin$1,20033%$2,50051%$3,80060%
Wyoming$90040%$3,20018%$6,00020%

Reducing Painters Liability Premiums

While insurance is essential for painters, there are ways to control premium costs, considering the unique risks and needs of the painting industry:

  1. Implement painting-specific safety protocols and train employees on best practices.
  2. Join painting industry associations that may offer access to lower-cost group plans.
  3. Pursue education in painting risk management to show commitment to reducing risks.
  4. Choose appropriate deductibles to balance coverage and premium costs.
  5. Bundle insurance products relevant to painting, such as general liability, auto, property, and equipment coverage.
  6. Explore financing options to spread premium payments over time.
  7. Work with brokers who specialize in painting insurance to find the best value.
  8. Consider seasonal or usage-based insurance options if painting work is not year-round.

The ideal insurance solution for painters balances affordable premiums with protections tailored to the unique risks and needs of the painting industry. With carefully chosen coverage, painters gain valuable peace of mind, protected from potentially catastrophic liability risks at a reasonable cost of doing business. This ensures financial stability and allows them to focus on delivering quality work without undue worry about unexpected financial liabilities.

Implementing strong safety protocols is the most effective way painters can minimize their liability insurance costs. Some highly effective risk management steps include:

  1. Providing thorough safety training for employees
  2. Conducting pre-job planning and preparation
  3. Requiring the use of appropriate protective equipment
  4. Setting up barricades and signage to prevent accidents
  5. Ensuring proper ventilation when applying paints or chemicals indoors
  6. Regularly inspecting equipment and replacing defective items
  7. Controlling access to work areas to keep untrained persons away from hazards
  8. Photographing property before and after to document pre-existing conditions
  9. Verifying that all required permits have been obtained
  10. Following all relevant safety laws, codes, and regulations

Here you can learn more about reducing general liability risks as a painter.

How To Get Painters Liability Quotes

When looking for general liability insurance, painters should work with an independent insurance agent or broker who specializes in policies for their trade. This offers several benefits:

  1. More insurance options from both national and local carriers
  2. Ability to customize the policy with add-ons and special endorsements
  3. Guidance in understanding important coverages, exclusions, and limits

An experienced agent provides valuable expertise and access to multiple carriers to create the best policy for a painter’s specific needs and budget.

Get Painter Liability Quotes and Insurance from ContractorNerd

Running a painting business comes with risks. Make sure you have customized general liability coverage designed specifically for painters.

At ContractorNerd, our online tools simplify getting quotes from top providers. Just input key details about your painting services, locations, claims history and more. We’ll deliver tailored quotes for your review.

Our Platform Helps Painters:

  • Obtain general liability quotes tailored for painting contractors
  • Tailor limits to meet job requirements
  • Access guidance from our network of licensed advisors

Don’t waste effort worrying about insurance. Connect with top providers in minutes for obligation-free quotes tailored to your needs.