Liability Insurance for Painters
Being a painter may seem like a relatively risk-less job compared to other contractors, but the truth is that painters need just as much protection from liability as any other professional trade. The equipment painting contractors bring in can potentially cause damage to their clients’ home or building while presenting an injury risk to any outside parties who wander on the job site.
Just the nature of needing to enter someone else’s property to perform work puts painters at a liability risk. Cover your painting business from uncertainty and unanticipated disasters by purchasing liability insurance for painting contractors. No matter if you are a specialty painting business, remodelers, a general contractor, a builder or any other type of tradesmen, have your business protected from the problems that can arise during painting.
General Liability Insurance
The biggest element painters will want to have covered is their general third-party liability. Damage to property is a very real risk any time a painting contractor enters a property with large pieces of equipment. Ladders and scaffolds could easily tumble, ripping up drywall and damaging interior components of walls. Equipment like paint sprayers can sometimes cause electrical shorts in unfinished job sites where electrical systems do not yet have all the needed safety systems in place.
Paint spills are especially a concern. Clients’ carpets and furniture can become soiled in the event of a spill, and when paint seeps under drop cloths the damage only becomes worse. Spare your painting company the cost of replacing an expensive carpet covered in paint boot prints by having the adequate coverage any time you enter a job site.
Injury risks from outside parties are very real, too. A client popping in to see how the color looks on the walls can trip over an extension cord and end up with a broken collar bone. General liability insurance can cover their medical costs in this situation, sparing you from having to pay for the accident out of pocket. Never enter a job site without such protection, or you could be placing your company in a financial hole as a result of one innocent blunder.
Commercial Auto Insurance for Painters
Painters have a ton of equipment to lug around, and they often manage it by purchasing vans, trucks or large cars capable of hauling their materials, tools and equipment. Driving these company vehicles on a daily basis means risking a collision. No matter how careful your drivers are, others on the road may cause them to get in an accident where they are somehow viewed as at-fault.
Keep your drivers and your vehicles covered with commercial auto insurance for painting contractors. Your liability costs for damage to other vehicles or injuries to vehicle occupants can be handled through an insurer. Many states require commercial vehicle operators to carry higher liability limits than the minimum, so ensure that your coverage is adequate to protect you from legal costs as well as liability costs.
Workers Compensation Insurance
Liability includes covering your own workers from injuries they sustain on the job. As an employer, you no doubt care about the health, safety and well-being of the laborers that help you earn money. Protect them from the costs of injury by providing them workers compensation insurance. You will also be protecting yourself from legal liability in the process since accepting workers compensation claims in most instances waives that party’s right to legal action.
For all these reasons, liability insurance for painters, painting contractors and construction workers who paint can be an invaluable, if not mandatory product to have. Give your workers and your clients confidence by purchasing these liability insurance products from a trusted provider of contractors insurance.