If you own or are looking to own a painting company, you will need to get the right insurance to protect your assets. When you’re on the job, you have to look out for paint spills, property damage and slips. You’ll need to get the best coverage so you can breathe easy knowing you will be taken care of in the event of an emergency. Here are all the different painters insurance policies that you may need.
We’re well into the winter months, now, but work goes on. Some of the toughest challenges contractors face in the cold months is how to work with materials like concrete and paint that have trouble curing in frigid temperatures. It is possible, however, to do painting during the winter months. Here are some tips and tricks for exterior painting in cold weather so that your contracting business doesn’t freeze with the temperature outside. Read more
Professional painters are at risk for a great many number of injuries and health issues from their profession. In addition, like any contractor they face the risk of lawsuits in our increasingly litigious society. It is therefore vital for a painter to have proper painters insurance coverage to protect against injury and lawsuits. The types of coverage every painter should have are liability in the form of a broad business owner’s policy and workers’ compensation.
Being a painter might not sound like the most dangerous profession but that would be a bit like saying that a great white shark isn’t nearly as dangerous as a Megalodon (which is essentially a whale sized version of a great white shark). The statements true, but you wouldn’t want to encounter either of them in the ocean. And, while painters may not be experiencing the same high risk environment that a carpenter might be facing there are still some dangers that could have a serious impact on someone’s life if they were not paying attention. For that reason, we have put together this list of workplace safety tips that should help you and your fellow painters stay safe on the job.
Workplace Safety Tips – Common Causes of Injury
Before we address our workplace safety tips, we thought it would be a good idea to go over some of the most common causes of accidents and injuries for painters today. That way, you are aware of the problem (and the potential consequences) and can find additional solutions to pair with the ones that are provided below. Here are the high risk situations that painters face fairly routinely.
- Heights (ladders, platforms, scaffolds)
- Toxic Substances (mold, fungi, bird droppings, paint products)
- Repetitive Action in Awkward Positions
- Electrical hazards
- Long work days
Between falls from platforms and ladders, exposure to mold and long work days that are sure to make you less aware of your environment being a painter is no easy job. Still, there are ways to mitigate risks and take a little bit of the risk out of your work environment.
What can I do to mitigate risk onsite?
To reduce your onsite risks you can follow these workplace safety tips. Tips that will help keep you and your employees safe.
1. Use Proper Equipment
Using the right ladder or the right brush will keep you out of awkward situations that can lead to injury, will be less taxing than your body and will ensure that you have a long and fruitful career as a painter.
2. Keep Your Workplace Clean
This might be the most overlooked tip out of all of our workplace safety tips. A disorganized workplace can increase the chances of someone slipping or falling onsite. If it happens in close quarters that fall could take down a ladder or result in some other traumatic injury. So, keep your station clean and you won’t have to worry about workers compensation insurance or disability insurance.
3. Breathe Clean Air
Paint fumes can, and will, seriously affect both your physical health and mental health (especially if you’re around them all day). So be sure to make sure that your worksite has proper ventilation and that your crew is wearing masks to reduce their exposure to noxious fumes.
If you follow these workplace safety tips you will be able to lower your potential risk (which could lead to lower insurance premiums) and you’ll be able to spend more time with your buddies and less time worrying about claims. If you have any further questions please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!
For those who don’t understand the equipment needs of commercial painters the idea of painters equipment insurance may seem like a far-fetched idea. But, if you know the industry you know that being a painter goes way beyond a few paint brushes and rollers. You probably have drywall sanders, sprayers and even lifts to get you to those hard to get spots that amateurs couldn’t hope to reach. But, all of that equipment comes at a price and, without it, could leave your business vulnerable to the competition. With painters equipment insurance you won’t have to worry about losing a piece of equipment due to an accident leaving you in a position to focus more on the project at hand and less on replacement costs. Here’s what you need to know.
Painters Equipment Insurance – What is covered?
There are a few different ways to cover the equipment you are using on your project but we’ll be focusing on painters equipment insurance. With the help of an independent insurance agent you should be able to find an insurance company that will tailor a policy to your needs. Listed below are the typical kinds of equipment covered under a traditional equipment insurance policy.
- Mobile equipment
- Hand tools
- Cranes and bulldozers
- Compressors, pneumatic tools and cables
Other types of equipment can also be covered. But, that will depend on your provider and their specific requirements.
When Will You Need Painters Equipment Insurance?
Regardless of whether or not you are renting equipment or if you own equipment, equipment insurance will ensure that you are covered for any loss or damage to equipment that you are using on site. Now, there are two groups of equipment that you can sort your tools into; scheduled and unscheduled. Those pieces that cost more than $1,000 should be scheduled while smaller, less expensive equipment can be bundled into one policy.
Now, just because your equipment is damaged does not guarantee that you will be compensated with enough money to buy a new piece of equipment. Most providers will use an Actual Cash Value (ACV) mode of compensation. So, whatever the cost of your used equipment may be is what the insurance company will compensate you with.
If you have any further equipment insurance questions please feel free to give us a call at 1-800-649-9094. We look forward to hearing from you!