As a painter in Ohio, protecting your business with proper insurance coverage is essential for meeting client requirements, securing contracts, and safeguarding your operations. Based on our analysis of actual quotes from leading carriers, this comprehensive guide breaks down the insurance coverages Ohio painters need, including typical costs and requirements.
Keep your edges clean by studying our guide to painter liability insurance plans.
General Liability Insurance for Ohio Painters
Based on our analysis of over 800 insurance quotes from leading carriers, here are the typical costs for Ohio painters:
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $1,260 | 0.8% | $660 | 48% |
| $500K | $3,350 | 0.7% | $1,620 | 52% |
| $1M | $6,570 | 0.7% | $2,290 | 65% |
These premiums assume:
- Clean claims history (5+ years without claims)
- Standard $1M/$2M coverage limits
- Approximately 10% subcontractor costs
Key coverage includes:
- Property damage during painting operations
- Bodily injury to clients or bystanders
- Products and completed operations
- Paint overspray protection
Worker’s Compensation Insurance for Ohio Painters
Worker’s compensation insurance is mandatory for Ohio painters with employees. Based on our analysis, Ohio painters typically pay $1,637 per employee annually for workers’ compensation coverage.
For Ohio painters, workers’ compensation costs average $3,930 per $100,000 of payroll, which is relatively low compared to other states.
Key factors affecting premiums:
- Employee classification codes
- Annual payroll
- Claims history
- Safety programs
- Experience modifier rating (EMR)
Additional Business Insurance for Painters in Ohio
1. Commercial Auto Insurance
- Cost: $1,500-$3,050 per vehicle annually
- Standard limits: $100K per person, $300K per accident
- Higher limits ($500K-$1M) recommended for larger operations
2. Tools & Equipment Coverage
- Annual premiums: $200-$2,000
- Policy limits: $5,000-$15,000+
- Coverage for painting equipment and tools
3. Pollution Liability Insurance
- Annual premiums: $750-$2,000
- Covers exposure to hazardous materials
- Important for lead paint remediation
4. Commercial Property Insurance
- Protects workshops and storage facilities
- Coverage for paint inventory and supplies
- Annual premiums: $1,000-$5,000
5. Contractor License Bonds
- Required for certain Ohio municipalities
- Premium: 1-3% of bond amount
- Cost varies based on credit score
Get Ohio Painter Liability with ContractorNerd
ContractorNerd makes painter insurance simple and data-driven in Ohio. Our platform offers:
- Instant online quotes from top-rated carriers
- Side-by-side coverage comparisons
- Painter-specific expertise
- Streamlined application process
- Ongoing policy management
- Claims advocacy when needed
Our team of painting insurance specialists helps you:
- Optimize coverage for your specific risks
- Find competitive rates through our carrier network
- Bundle policies for additional savings
- Ensure compliance with state regulations
To get started with tailored quotes for your Ohio painting business, visit our online quote tool or speak with one of our painting insurance specialists today.