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What Kind of Liability Insurance Do Painters Need?

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.

liability insurance

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.

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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.

 

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Certification from the Contractors State License Board

Contractors Guide to Licensing

When you set up your general contracting business, you will want to make sure that not only do you have the right liability insurance, but that you are properly certified and licensed. While the qualifications for licensing vary based on the contractors state license board where you live, there are certain universals that you will want to follow. Here is an overview of general contractor licensing and how it works from state to state.

Know Your Business

General contracting isn’t something that a person should simply jump into. It’s important to do your time in the trenches, learning the ins and outs of the business. A high school diploma or General Education Degree (GED) are vital in any case. You should then seek apprenticeships and training in your field. When you’ve spent several years in the business and have a strong handle on how general contracting works, you may be ready to approach licensing.

License Qualifications

The basic qualifications to seek a licensure for a contracting business requires that the applicant be an adult of at least 18 years of age, can read and write in English and be of good and upstanding moral character. Most states will conduct a background investigation which costs a few hundred dollars and requires the following:

  • Social Security Card
  • Photo ID
  • Proof of Residence
  • Several months’ bank statements
  • Licensure application paperwork

Some states may require additional information based on whether your business is a sole proprietor, corporation or LLC. Do your homework and investigate your home state’s requirements before getting started.

Assessment and Testing

Again, each state and type of contracting business has its own requirements, but many will require that you take an assessment exam to be sure that you know the laws surrounding the industry in your area, construction and building codes, safety procedures, OSHA requirements and the like.

As with anything important, make sure you take the time to do your homework. Look carefully into the requirements of your contractors state license board and into the specifics of what you’ll need to know to pass the assessment. Then, study hard to be sure you’re up on all the latest knowledge and information.

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License Application and Fees

When you have passed your background check and assessment exams, the time comes to get your business up and running! You will need to get proper and adequate contractors insurance to cover your activities and protect you from liability and damages. This includes both general liability insurance and workers compensation insurance. You will then need to fill out an application for your licensure and pay the licensing fees to your contractors state license board. When everything is paid up and the papers in order, you will then be issued a license that makes it legal for you to work as a general contractor in your state. Congratulations on being a licensed contractor!

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Stay Protected with Contractor Liability Insurance

Contractor Liability Insurance

Heavy equipment forms one of the largest and most common hazards on any construction site. The potential for accidents and disaster carries heavy contractor liability, especially if staff are not properly trained and qualified in their use. Equipment that moves in such a way as to create potential danger should be locked and tagged to prevent such accidents as amputations, electrocutions, collisions and other potentially fatal events.

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Why Your Carpenter Needs to be Insured

Carpentry contractors, who work on wooden structures or parts thereof, should always carry carpentry insurance. These carpenters can be primary on a job, or they can be subcontractors brought in from elsewhere. Carpenters come in all varieties and levels of skill. Some conduct engineering and design; others work from pre-submitted plans. There are rough carpenters, finish carpenters and framing carpenters. All should carry a solid insurance policy.

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Use These Safety Techniques During Demolition

Demolition work can often lead to tragic unintended consequences. The huge number of variables at play can transform a seemingly safe situation into a deadly hazard in mere seconds. Demolition workers must always be wary of the potential danger held within their work, and their employers must also take steps to reduce risk any way they can.

Project managers can use the following strategies to help accomplish their goals:

Recognize the Dangers

Fatalities resulting from demolition can occur from a huge range of secondary consequences that result when project planners fail to account for every variable of the demolition. Electrocutions, burns, impalements, equipment rollover and any number of other risks can happen once teardowns begin. Other effects can result when hazardous substances like asbestos, lead or gas are exposed after the demolition is underway.

Workers and project managers must be aware at all times not just of the work that they are performing, but also their surroundings and these potential hazards. They must also be trained and have the proper safety equipment to handle any possible complications thrown their way.

Plan the Project Carefully

In order to develop a safe and effective strategy for demolition while still preparing adequately for potential dangers, thorough engineering surveys have to be completed before the project begins. The engineers can evaluate the state of the structure, create a plan for safe destruction of interior, exterior or structural elements and assess all environmental health hazards related to the project.

After the survey, project planners should locate, secure, disconnect or relocate utility service lines as needed. They can also create a fire prevention and evacuation plan and develop strategies to administer first aid or evacuate personnel to emergency medical services should something go wrong.

Provide the Necessary Safety Equipment

As part of the project evaluation, employers must determine the personal protective equipment (PPE) needed during the course of their workers’ duties. This equipment can include:

  • Head, eye, face, hand, foot or full body protection
  • Hearing protection
  • Respiratory systems
  • Personal Fall Arrest Systems (PFAS)
  • Any other protective clothing needed given the project needs, such as welding protection or fireproof suits.

Employees cannot simply be handed these items, either. They must receive proper training on how to wear, fit, inspect, maintain and store their PPE so that the equipment can be relied upon job after job.

Train, Train and Train Some More

Planning and protection can save someone’s skin, but unless they have the proper training they will be placing themselves and their coworkers in danger countless times throughout the project. Each employee has to be adequately trained, and per OSH Act Public Law 91-596 every employer has a responsibility to create a safe workplace for employees.

Ensure that every employee is familiar with the basic tenets of demolition, their specific duties and how to operate their assigned equipment safely. Employees should also be trained on how to identify and remove or avoid hazards that arise during the course of their duties.

Only by taking these steps can demolition be performed safely and workers mitigate the high risk involved. Employers should see to it that they are properly insured as well with general liability insurance and workers compensation insurance to protect themselves  financially from these risks while also covering employees in the event of an injury, medical emergency or even death.

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