Insurance is an essential investment for painting contractors and firms of all sizes in Kansas, helping manage risks and provide critical financial protection against the hazards inherent to the profession.

Beyond just being a financial safety net, having proper insurance coverage in place lends tremendous credibility and enhances the professional reputation of painting companies. It also enables sustainable growth by instilling client confidence. While every painter aims to operate safely and avoid mishaps, the very nature of the job inevitably carries certain risks on a daily basis. Painters often work at dangerous heights, utilize hazardous chemicals and materials, and navigate the inherent dangers of construction sites. As a result, injuries, accidental property damage, or other unanticipated incidents can impose major financial losses on a painting business. These losses often extend far beyond just the immediate costs of the incident itself, and also include expensive legal and attorney fees, costly third party liability claims, settlements and expensive damage compensations. In some cases, severe reputational harm can occur.

Having adequate insurance tailored to your specific needs as a professional painter or painting company provides a protective shield against the brunt of such adversities. It ensures business resilience and continuity. Proper coverage enables you to keep focusing on delivering quality painting services without getting derailed by the enormous spectrum of risks the profession entails. This comprehensive guide provides painters, painting contractors and companies in Kansas an extensive overview of the most essential insurance policies needed, factors impacting insurance costs, illustrative premium ranges for different business sizes, and tips to ultimately secure optimal and affordable coverage.

For painters in Kansas, having the proper insurance protection for painting is crucial. This typically includes liability protection for painters to safeguard against third-party claims and workers’ comp coverage for painting companies to cover employee injuries sustained while on the job.

Key Factors Influencing Insurance Costs for Kansas Painters

Insurance premiums for painting contractors and companies in Kansas depend on a number of important variables:

Size of the Painting Business – The most fundamental factor impacting overall insurance costs is the sheer size of the painting operation, as commonly measured by total number of employees on payroll and total annual revenues. Larger painting businesses with substantially greater human resources, higher revenue volume, and more operational scale invariably have greater overall risk exposure across all facets of their business. They take on more client projects and jobs at a given time. Thus, they are inherently more likely over a period of time to face claims arising from either legitimate accidents or oversights, or in some cases, even fraudulent claims. As a result, larger painting businesses with more employees and higher annual revenues will virtually always warrant proportionally higher insurance premiums versus much smaller operators.

Work Classification and Risk Level – All occupations and jobs inherently carry varying degrees of risk with respect to personal injuries, property damage, client disputes and other liabilities. Across insurance lines like workers’ compensation and general liability, insurers use sophisticated classification codes like the NCCI (National Council on Compensation Insurance) codes to categorize and group jobs precisely based on the frequency and severity of claims historically associated with those job categories. With over 600 classification codes in use, this allows insurers to accurately understand, categorize and price policies based on the underlying risk levels associated with those employee roles. More hazardous activities like painting work done at dangerous heights, or jobs involving welding carry significantly greater inherent risks and correspondingly higher claims rates. Thus workers engaged in such tasks fall under higher NCCI class codes, which translate into substantially higher insurance rates and premiums. In contrast, safer administrative back office painting business roles have dramatically lower NCCI classifications and insurance rates tied to them.

Policy Liability Limits – Painting contractors often have flexibility in choosing higher or lower liability coverage limits for policies like General Liability and Workers Compensation insurance within a certain range. Opting for substantially higher liability limits naturally necessitates paying proportionally higher overall premiums to gain that additional protection. However, selecting the right liability limits is a strategic and contextual decision for any business. Many larger commercial construction projects over a certain contract value often mandate painting subcontractors to carry minimum General Liability limits of $2 million or higher in order to qualify for bidding. In such cases, painting firms recognize the need to up their coverage limits and pass those marginally higher insurance costs back to the client as part of the bid and contract terms, in order to gain access to those larger job opportunities in the first place.

Geographic Location – Insurance premiums inevitably vary across states and geographic regions based on an array of localized risk factors, state-specific insurance regulations, unique market dynamics, inherent cost-of-living and wage differences, and numerous other granular considerations. As a very general rule of thumb however, painting contractors operating in relatively urban, denser municipalities and metro areas may incur slightly higher overall premiums compared to painters primarily serving more rural outlying communities. Location impacts all lines of insurance, but is especially easy to recognize in policies like workers’ compensation where average wages vary significantly in different parts of the state.

Claims History – All else being equal, painting businesses with histories of past insurance claims will almost always face proportionally higher premiums in future years relative to peers with spotless claim records. Insurers set prices based on risk, and too many past claims inherently signal a statistically greater chance of similar claims occurring in the future. Painting businesses with clean loss run histories without previous claims generally benefit from modestly lower premiums over time as they demonstrate being a better risk on paper from an actuarial standpoint.

Years in Business and Experience – In pricing insurance policies, carriers also take the overall expertise and experience level of the insured painting business into account beyond just claims history. Established painting contractors and enterprises with longer operating histories, more years of experience in their specific trade and geographic market, formal training procedures and controls in place inherently present a lower risk versus brand new startups or fly-by-night operators with scant experience. As a result, mature painting businesses with demonstrated expertise can often qualify for modest discounts relative to brand new entities or contractors trying to establish footholds in unfamiliar markets.

Documented Safety Protocols and Loss Prevention Programs – Painting businesses that make investments in formal safety and loss prevention programs, training, and protocols undergo substantially lower risks of workplace injuries, property damage and other liabilities. Common safety investments include practices like mandated ladder safety and handling procedures, required harness and tie-off usage when working at height, implementation of OSHA and other job site safety protocols, hazardous materials handling procedures, vehicle and driver safety programs, and safety incident investigation processes. Painting businesses that formally implement and document such programs in the underwriting process can often realize some modest premium credits and discounts for demonstrating their proactive commitment to risk management, safety, and loss mitigation. Such discounts may not be huge, but do help move premiums lower.

Illustrative Insurance Cost Overview for Small, Medium and Large Kansas Painting Businesses

Below we outline typical expected insurance costs using annual premium illustrative examples for small, medium and large painting contractors and businesses across the core lines of General Liability, Workers Compensation and Surety Bonds in Kansas.

In all sample cost scenarios outlined below, we assume the painting business works exclusively on residential repainting projects, has 5+ years of operating experience with a clean safety track record, and has no past insurance claims resulting in premium increases. Actual insurance premiums can vary significantly based on individual risk characteristics like locations served, services provided, client types, safety record, years in business, and other differentiating factors. Use the premium ranges below as a helpful reference point to understand approximately where your business’ costs should fall in comparison, with the aim of ultimately securing tailored coverage through a top-rated insurer specialized in the painting space at the lower end of these sample ranges.

Insurance Costs – Small Kansas Painting Business

Small Painting Business Profile

  • $150,000 in Annual Revenue
  • 1 Owner
  • 1 Full-Time W2 Employee

General Liability Insurance

Typical Premium: $2,000

Low End Premium: $1,300

High End Premium: $3,800

Workers’ Compensation Insurance

Typical Premium: $1,500

Low End Premium: $1,200

High End Premium: $2,600

Surety Bonds

Kansas does not have a statewide bonding requirement for painters. However, some local municipalities require painter bonds.

Insurance Costs – Medium Kansas Painting Business

Medium Painting Business Profile

  • $500,000 in Annual Revenue
  • 1 Owner
  • 3 Full-Time W2 Employees

General Liability Insurance

Typical Premium: $4,900

Low End Premium: $2,600

High End Premium: $7,200

Workers’ Compensation Insurance

Typical Premium: $4,400

Low End Premium: $3,300

High End Premium: $7,300

Surety Bonds

Kansas does not have a statewide bonding requirement for painters. However, some local municipalities require painter bonds.

Insurance Costs – Large Kansas Painting Business

Large Painting Business Profile

  • $1,000,000 in Annual Revenue
  • 1 Owner
  • 5 Full-Time W2 Employees

General Liability Insurance

Typical Premium: $9,800

Low End Premium: $4,100

High End Premium: $15,500

Workers’ Compensation Insurance

Typical Premium: $7,300

Low End Premium: $5,100

High End Premium: $11,400

Surety Bonds

Kansas does not have a statewide bonding requirement for painters. However, some local municipalities require painter bonds.

Overview of Additional Key Insurance Policies for Kansas Painters & Typical Premiums

Beyond the core General Liability, Workers Compensation and Surety Bonds highlighted above, painting contractors and businesses in Kansas need to strongly consider several other supplemental insurance coverage options as well for comprehensive protection:

Commercial Auto Insurance

  • Coverage Purpose: Provides protection against liability and property damage claims arising out of the use of company owned vehicles driven for business purposes like transporting equipment between painting job sites.

  • Typical Premiums: Approximately $1,800 per vehicle annually for policies with $100K/$300K/$100K limits

Inland Marine Insurance (Tools & Equipment Coverage)

  • Coverage Purpose: Protects physical damage or loss of contractors’ movable tools and equipment on painting job sites or in transit between sites. Very useful coverage for painters who have significant investments in gear stored within their vehicles when travelling to different locations.

  • Typical Premiums: Approximately $650 per year for $10,000 of equipment coverage

Commercial Property Insurance

  • Coverage Purpose: Safeguards company owned assets like office buildings, warehouses, stores or other physical business premises against damage, theft, vandalism, fire and natural disasters.

  • Typical Premiums: Approximately $1,100+ annually depending on specifics of the property like location, building construction, security features and overall insured value.

Employment Practices Liability Insurance

  • Coverage Purpose: Shields employers against claims alleging employment practice violations, discrimination, harassment, wrongful termination and other employee disputes that can arise and impose major costs through legal fees, settlements and reputational damage.

  • Typical Premiums: Approximately $2,000+ per year depending on number of employees.

Cyber Insurance

  • Coverage Purpose: Provides protection against expenses arising out of data breaches, malware attacks, hacks or other electronic security incidents that could expose sensitive client information or cripple vital digital systems needed to run operations.

  • Typical Premiums: $500 – $1,500 per year for small to mid-size painting businesses.

Commercial Umbrella Liability Insurance

  • Coverage Purpose: Gives an extra layer of liability limit above the primary insurance policies if an exceptionally large claim or judgment exceeds the standard limits of those underlying policies. Most core policies top out at $1 million to $2 million.

  • Typical Premiums: Approximately $950 per year for every $1 million in additional umbrella coverage.

Getting Multiple Quotes and Securing the Right Insurance for Your Kansas Painting Business

The ideal way for any painting contractor or firm to get optimal insurance coverage at competitive pricing is to work with an independent agent, broker or advisor who specializes in insurance for painting professionals specifically. Reputable specialized brokers will have established relationships and appointments with the top-rated insurance carriers actively writing policies in the painters insurance segment. This provides clients access to multiple quotes quickly through a single channel rather than doing the legwork independently.

With the ability to efficiently compare quote options from the industry’s leading painters insurance providers, business owners can make fully informed data-driven decisions on the best carrier and tailored coverage program aligning with their specific operations, risk tolerance, budget and growth plans. An expert broker understands the nuances and tailors recommendations and solutions accordingly.

The right insurance portfolio evolves alongside your business lifespan. As a painting contractor takes on more projects, hires additional employees, and accumulates more equipment over time, a trusted advisor makes sure coverage remains adequate and affordable at each juncture. They can steer their clients away from common pitfalls like being underinsured or overinsured.


Insurance coverage is an absolutely essential investment for Kansas painting contractors and businesses seeking to effectively mitigate risks, financially protect their enterprise, and enable sustainable long-term growth. Use this comprehensive guide to gain an in-depth understanding across typical policies needed, premium cost ranges, and key factors impacting expenses. Identify and partner with a painting-focused agent or broker who can provide tailored guidance and access to top insurance carriers so you can secure coverage that fully aligns with your company’s specific operations, budget and objectives while avoiding unnecessary gaps or excess expenditures. With the ideal insurance portfolio in place, you can focus on growing your painting business in Kansas efficiently and confidently.