As a painting contractor in Georgia, having proper insurance coverage is essential for protecting your business, meeting state requirements, and securing contracts. Based on our analysis of over 1,100 insurance quotes from leading carriers, this comprehensive guide breaks down the insurance coverages Georgia painters need, including detailed cost information and requirements.

Roll out your knowledge with our comprehensive guide to painting crew insurance.

General Liability Insurance for Georgia Painters

Based on our analysis of actual quotes from leading carriers, here are the typical general liability insurance costs for painters in Georgia:

Average Annual Premiums and Potential Savings

RevenueAverage Premium% of RevenueFavorable RatePotential Savings
$150K$1,6701.1%$84050%
$500K$4,3400.9%$2,46043%
$1M$8,1800.8%$4,98039%

These premiums assume:

  • Clean claims history (5+ years without incidents)
  • Standard $1M/$2M coverage limits
  • Mix of residential and commercial painting work
  • Approximately 10% subcontractor costs

Key coverages include:

  • Property damage protection
  • Bodily injury liability
  • Products and completed operations
  • Personal and advertising injury

Worker’s Compensation Insurance for Georgia Painters

Workers’ compensation insurance is mandatory for Georgia painting contractors with 3 or more employees. Our analysis shows:

  • Average cost per employee: $5,000 annually
  • Rate per $100K payroll: $12,230 (among highest in nation)

Key factors affecting premiums:

  • Job classification codes (primarily 5474 for painters)
  • Total annual payroll
  • Claims history and safety programs
  • Experience modifier rating (EMR)

Additional Business Insurance for Painters in Georgia

1. Commercial Auto Insurance

  • Cost: $1,500-$3,050 per vehicle annually
  • Standard limits: $100K per person, $300K per accident
  • Required for business-owned vehicles

2. Tools & Equipment Coverage

  • Annual premiums: $200-$2,000
  • Coverage limits: $5,000-$15,000+
  • Protects painting equipment and tools

3. Professional Liability (E&O)

  • Cost: $50-$500 annually
  • Covers claims related to workmanship
  • Important for specialty painting projects

4. Commercial Property Insurance

  • Premiums: $1,000-$5,000 annually
  • Protects warehouses, offices, and equipment
  • Coverage for fire, theft, and weather damage

5. Surety Bonds

  • Cost: 1-3% of bond amount
  • Required for certain contracts
  • Rates vary by credit score and experience

Get Georgia Painter Liability with ContractorNerd

At ContractorNerd, we make getting painter insurance in Georgia simple and data-driven. Our platform offers:

  • Instant online quotes from leading carriers
  • Side-by-side coverage comparisons
  • Painter-specific expertise
  • Streamlined application process
  • Ongoing policy management
  • Claims advocacy when needed

Our team of insurance specialists helps you:

  • Find optimal coverage based on your specific risks
  • Secure competitive rates through our carrier network
  • Bundle policies for maximum savings
  • Ensure compliance with state regulations

Contact us today for tailored quotes for your Georgia painting business. Our experts will help you find the right coverage at the best rates.