As a painter in Utah, having proper insurance coverage is essential for protecting your business, meeting state requirements, and securing contracts. Whether you’re a solo painter or manage a larger painting company, this comprehensive guide breaks down the insurance coverages you need and their costs, based on our analysis of actual quotes from leading carriers.

Cover your understanding from base to finish with our overview of a painting contractor insurance policy.

General Liability Insurance for Utah Painters

General liability insurance protects painting businesses from third-party claims of property damage and bodily injury. Based on our analysis of over 1,100 quotes from leading carriers, here are the typical costs for Utah painters:

RevenueAverage Premium% of RevenueFavorable RatePotential Savings
$150K$2,2001.5%$1,40036%
$500K$5,3001.1%$3,40036%
$1M$9,5001.0%$5,40043%

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

Worker’s Compensation Insurance for Utah Painters

Worker’s compensation insurance is mandatory for Utah painting contractors with employees. Based on our analysis, Utah painters typically pay around $1,706 per employee annually for workers’ compensation coverage.

For Utah painters, workers’ compensation costs average $4,380 per $100,000 of payroll, which is relatively moderate compared to other states.

Key factors affecting premiums:

  • Employee classification codes (primarily code 5474 for painters)
  • Annual payroll amounts
  • Claims history and safety programs
  • Experience modifier rating (EMR)

Additional Business Insurance for Painters in Utah

1. Commercial Auto Insurance

  • Typical 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
  • Policy limits: $5,000-$15,000+
  • Protects painting equipment during transport and at job sites

3. Contractors’ E&O Insurance

  • Cost: $50-$500 annually
  • Coverage limits: $10,000-$1M+
  • Protects against claims of faulty workmanship

4. Surety Bonds

  • Premium: 1-3% of bond amount
  • Costs vary by credit score:
  • $5,000 bond: $100-$400
  • $10,000 bond: $100-$1,000
  • $15,000 bond: $150-$1,500

5. Commercial Property Insurance

  • Annual premiums: $1,000-$5,000
  • Protects warehouses, shops, and equipment
  • Coverage based on property value and location

Get Utah Painter Liability with ContractorNerd

ContractorNerd specializes in making insurance simple and data-driven for Utah painters. Our platform offers:

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

Our team of painting contractor insurance specialists can help you:

  • Optimize coverage levels based on 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 Utah painting business, visit our online quote tool or speak with one of our painting contractor insurance specialists today.