Understanding Liability Insurance for Painters
Contractors Insurance No Comments

You’re a painter. Maybe you’ve been doing this for years or maybe you’re just starting out. Either way, you’re good at job (which is a good thing), the bad thing is that no matter how good you are there are still things that can go wrong. And when things go wrong it pays to be protected. With liability insurance for painters you will be able to protect your painting business against some common lawsuits and hiccups that could end up costing you quite a bit of money. Here’s how a general liability policy can help you.

Liability Insurance for Painters – Your Guide

While we don’t doubt that you are a very capable and talented paper there are certain events that can happen onsite that will be out of your control. Events such as the guy who’s in a rush to get to work and trips over your ladder, injures himself and threatens a lawsuit. With liability insurance for painters you don’t have to worry about that injured man’s babbling and instead you can get back to work and watch him leave your worksite. Liability insurance for painters ensures that you are protected when such accidents occur. Accidents like the ones we have detailed below.

  • If a client claims you damaged their property
  • If your worksite caused them injury (like the guy above)
  • If you damage someone’s personal or business reputation

Unfortunately, liability insurance for painters will not protect you from every bump along your business’s road. For that, you’re going to need more comprehensive coverage (which means more policies). Here are the ones you need to know.

More than Liability Insurance, You Need…

1.       Workers compensation

Workers comp is required by law in most states so if you don’t have it you may want to think about getting it. Workers comp will protect your employees if they are hurt on the job by paying for their medical bills and will cover up to two-thirds of their salary until they are able to return to work.

2.       Business Owner’s Policies

A business owner’s policy (BOP) allows you to bundle your property insurance and general liability insurance together under one policy (which can get you a discount). And just makes it easier for you to make payments on your policies (wouldn’t you rather make one payment instead of three, four or five?).

If you have any further questions about liability insurance for painters (or any of the other policies we have discussed) then please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!