Operating a painting business involves financial risks that require insurance coverage. Painters working in residential, commercial, industrial and specialty painting services should have appropriate policies in place.

Residential painters are at risk for damaging customer homes, such as spilling paint on floors. Commercial painters take on larger scale jobs where high liability limits are recommended. Industrial painters face environmental hazards requiring generalized and pollution liability. Specialty painters have expensive equipment needing inland marine coverage.

The common thread is that any self-employed painter taking on work for customers requires protection in case an accident occurs. The specific needs vary based on the services offered.

Some examples of more specialized painters that require coverage include:

Residential Painters Insurance
Commercial Building Painters Insurance
Automotive Painters Insurance
Industrial Painters Insurance
Mural Painters Insurance
Faux Finish Painters Insurance
Furniture Painters Insurance
Airbrush Artists Insurance
Bridge and Infrastructure Painters Insurance
Theatrical Set Painters Insurance
Marine Painters Insurance
Highway and Road Line Painters Insurance
Ceiling Painters Insurance
Aircraft Painters Insurance
Historical Restoration Painters Insurance
Sandblasting Painters Insurance
Street Artists Insurance
Sports Fields Painters Insurance
Signage and Billboard Painters Insurance
Toy and Model Painters Insurance
Porcelain and Ceramic Painters Insurance
Wallpaper and Wall Covering Specialists Insurance
Tank and Silo Painters Insurance
Floor Painters and Stainers Insurance
Agricultural Equipment Painters Insurance
Train and Rail Painters Insurance
Fireproofing Painters Insurance
Electrostatic Painters Insurance
Textile and Fabric Painters Insurance
Enamel Painters Insurance

For example, a residential painter accidentally spilled a 5 gallon bucket of paint on a customer’s wood floors, causing $4,000 in damages. Their general liability insurance covered the claim so they did not have to pay for repairs out of pocket.

Consulting with an insurance professional familiar with painter risks is highly recommended. They can help customize a policy specific to your business needs and exposures. Also review your coverage annually and when taking on larger projects or new client types. Staying properly insured provides peace of mind so painters can focus on their craft.