Painters Insurance for Commercial and Residental Painting

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Get the best insurance for your painting company

Insurance for painters can be just as important as a brush or roller. You need coverage if you “paint is outside the lines” when on a job. Mistakes happen. So do unforeseen events. Paint insurance coverage protects all residential and commercial painting businesses from liability. It also protects your tools, vehicle, and property. Compare quotes for painters insurance with us to find the best coverage at affordable rates.

Top things to know about insurance for painters

Painters insurance is a specialized coverage package for painting professionals and businesses.
Insurance for painting businesses is highly recommended.
Painters insurance costs are variable based on many factors, specifically if you are a residential, commercial or industrial professional.

What is painter insurance?

Painters insurance is a special type of coverage designed for painting professionals. It is ideal for insurance for commercial and house painters working independently, as a team, or larger company. The coverage protects liability, painting tools and equipment, supplies, vehicles, and property. Mistakes and accidents happen on the job site. Painters insurance gives professionals financial protection to sustain through a lawsuit, damage, or loss.

Do painters need insurance?

painter man decorator work of home to renovate

All painting professionals should have painters insurance. Accidents happen constantly on the job, and you must protect yourself and your company when mishaps happen.

Financial protection is not the only reason you should have insurance. Many prospective customers may ask for proof of insurance before hiring you. Having a certificate of insurance (COI) is a way of securing new customers and contracts. It shows you are professional and legitimate. Commercial general liability insurance is a requirement if you plan to bid on large painting contracts for the government, institutions and commercial enterprises.

Common threats to your painting business

Working with paint can get messy if you are not careful. Here are some of the common threats insurance can protect you against:

Paint spills on customers' property
Daminging carpet and flooring
Spilling chemicals
Chemical reactions and fumes cause health risks
Working at heights, falling off ladders
Slip and falls
Theft of tools, equipment, and supplies
Improper waste disposal
Paint spray drift damages other properties, vehicles, landscapes

Types of companies that need painters insurance

All painting professionals benefit from having insurance. Here are some of the many painting companies we can insure:

House painters
Residential painters
Commercial painters
Industrial painters
Interior painters
Exterior painters
Self-employed painters
Painting contractors

What does a painters insurance policy cover?

A painter insurance policy is a collection of business insurance coverage. Here are the types of coverage you will get:

Painters liability insurance: This is a type of commercial general liability insurance especially designed for professional painters. It included liability protection in the event of a mistake, property damage or bodily insurance to a third party.
Commercial auto insurance: Protect your vehicles when driving to and from painting jobs. Protect the contents inside your vehicle.
Commercial property insurance: Get protection for your storefront, warehouse, storage facility and paint shop.
Business interruption insurance: Have financial protection if your business is forced to shut down suddenly due to unforeseen circumstances.
Pollution liability insurance: Protect yourself if you cause damage when disposing of paint or chemicals improperly. Coverage includes finances for clean-up costs and medical care for people who experience health issues.
Equipment breakdown insurance: Get your expensive paint sprayers, mixers, and other equipment repaired if they break down.
Tools and equipment coverage: Repair or replace stolen, lost, or damaged equipment.

How to get a quote for painters insurance

Our brokers make it easy for professional painters to get the insurance they need. Simply follow these easy steps:

Provide your company details

Tell us about your business and operations.

We’ll shop for the cheapest quote

We’ll compare quotes from the top providers in the country.

Select the best rate and get insured

Choose the lowest price and save on your commercial insurance policy.

How much does painters insurance cost?

The average cost for a painters insurance policy can vary greatly. The first consideration is the type of painting work you do. There are different risks associated with house painting compared to commercial or industrial painting jobs. You also have to consider the kinds of materials you work with and the areas being painted. For example, it's less risky to paint a house wall than industrial equipment on a scaffold.

Here are the top factors that will affect painter insurance premiums:

Type of painting services
Location of the painting job
Company revenue
Number of employees
Equipment value
Vehicle and property considerations
Claims history
Coverage limits

Insurers will consider all of the above when assessing your risk level and determining premiums. Speak with our brokers. We’ll help you evaluate your coverage needs, compare your quote options, and ensure you find the best painting insurance policy.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

Painter insurance FAQs

Is painters insurance mandatory in Ontario?

Similar to other types of Ontario business insurance, painters insurance is not mandatory. Even though it's not legally required, it doesn't mean you don't need it. Accidents and injuries happen all the time. Having coverage protects your business from liability.

Can I use my personal vehicle to drive to painting jobs?

Painters can typically fit all their supplies in a personal vehicle. So, many use their personal vehicles to drive to jobs. However, your personal car insurance will not cover you if you are in a collision or you have your equipment stolen. Get commercial vehicle coverage to protect yourself when using your car for business purposes.

Is there a difference between commercial and residential painters insurance coverage?

There may be some slight differences in coverage between commercial and residential painters. Commercial painters may be protected against different perils and have higher policy limits. These things can also increase the cost of commercial painters' insurance premiums.

Do you need a license to be a painter in Ontario?

Getting professionally licensed as a painter is not mandatory. However, it can offer some advantages. Getting the Red Seal endorsement in your provincial trade certificate shows customers you have professional training. This can help you build trust and bring in new customers.

Get affordable insurance for your commercial or residential painting business

Compare quotes for commercial and residential painters insurance to find the best policy. At ThinkInsure, our advisors help you identify threats to your painting company and build a policy to mitigate them. Get affordable painting insurance rates from the top Canadian commercial insurance companies and save more. Speak with us today.

Call 1-855-550-5515 or request a quote online.

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Painters Insurance

Protect your painting business with personalized painters insurance. We'll compare rates and policies to help you save.