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Illustrated job site with a clapboard house, an extension ladder and drop cloths on one side, and a rolling scaffold, a white work van and a paint sprayer on the other, a purple paint bucket at the foot of the scaffold

Painting contractor insurance

paint the whole
portfolio.

Liability, comp, vans and tools for painting contractors taking on property managers, commercial repaints and multi-unit work.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

Overspray on a car, a fall, a fender bender. Tap around to see which policy steps in.

Illustrated street view of a half-painted house with an extension ladder fallen on the lawn and a purple paint roller on a drop cloth, a neighbor’s car speckled with overspray in the driveway, and a work van with empty racks backed into a broken picket fence

general liability

Overspray drifts onto the neighbor’s car

Damage to someone else’s property.

workers’ comp

A painter falls from the ladder

Medical bills and lost wages.

tools and equipment

The sprayer disappears from the van

Tools and gear, on the job or on the road.

commercial auto

The van backs through a fence

Damage you cause on the road.

general liability

Overspray drifts onto the neighbor’s car

Damage to someone else’s property.

Examples. Your policy sets the details.

the work changes
what we check.

Interiors, exteriors and commercial coatings carry different risks. Pick yours.

Interior work

Occupied homes and offices.

We check how the policy treats the contents and finished surfaces around you, and who on the job is an employee or a subcontractor.

we check first: Customer property in your care. Illustrated living room wall half rolled with fresh paint, furniture under drop cloths, a stepladder and a purple roller tray on the floor

painting businesses
usually carry.

Put them on one program and we shop them together at every renewal.

overspray on a car?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Northside Painting

your options

$9,200a year, 4 policies

3 options, same coverage

Option A$9,200

Option B$10,100

Option C$11,300

6 painters3 vansAustin, TXClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
painters ask for.

The coverage behind every coat.

growing by
acquisition?

Buying another painting shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about painting contractor insurance.

What insurance does a painting business need?
Most painting contractors carry general liability, workers’ comp once they have employees, commercial auto for the vans, and tools coverage for sprayers and ladders. Property managers and commercial customers ask for liability, often with an additional insured request. Umbrella or pollution coverage can come up as the work grows, depending on the operation.
What affects the price of painting insurance?
Mainly interior versus exterior work, how high the crew works and whether it’s from ladders, lifts or scaffolds, coatings and prep methods, payroll, vans and equipment. Limits, deductibles and your claims history move it too. We read the exclusions alongside the premium, so you compare more than the payment.
Does general liability cover overspray damage?
It can cover damage to someone else’s property caused by your work, like overspray that lands on a neighbor’s car or a customer’s furniture. Property in your care and the cost to redo your own work are separate questions. Exclusions and policy wording matter, so they’re worth reading before the job.
Do ladders, lifts and scaffolds affect painting insurance?
Yes. How high the crew works and how it gets there can change which carriers will write the policy and what it costs. Describe exterior work from ladders, lifts, swing stages or scaffolds accurately, along with your fall protection and how much of the work happens at height, so the policy matches the job.
What insurance do property managers require from painters?
Usually general liability at the limits their contract sets, plus workers’ comp and commercial auto, and sometimes an umbrella. Many want to be named as additional insured, with primary and noncontributory wording and a waiver of subrogation. The contract’s insurance section lists the details, so we match the policy to it before prep begins.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA