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.

5 star insurance reviews

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The Jordan Family

2024-06-20

Solely was an absolute pleasure to work with. He was very knowledgeable and quick to respond. He had my new policy up and ready in the course of an afternoon, not to mention the best rates out all brokers I came across. I highly recommend this man and his customer service. 5 star service indeed!

Jade W

2024-06-17

Bailey went above and beyond. Was insanely patient with my scatter brain and a million questions. He explained everything to a point of actually understanding vs "that other" company that made me feel like a child for not understanding their legal ramblings. I appreciate you!!!!

Erfan Javid

2024-06-14

I worked with Sohel, and he put in an incredible effort for me! Sohel is an amazing insurance broker who was very helpful and honest. Communicating with him by phone and email was effortless, and he completed all my insurance paperwork without any hassle. I had insurance sorted out with just one phone call and one email thread.

Mykyta Shylin

2024-06-13

Thank you Bailey, for your help in getting my auto insurance policy sorted out after the non-payment cancellation. I really appreciate the effort you put in to ensure everything was taken care of quickly.

Bradley Chapman

2024-06-12

I was in a pickle and they really helped me out, very supportive. I dealt with a woman by the name of Denise and honestly, she deserves an additional 5 stars on top of this 5 star review.

Daniel McDonald

2024-06-11

I had a great experience with my broker, super knowledgeable dude helped me get back on the road quick and clean.

mic

2024-06-10

Working with Todd was a pleasure. It was very easy communicating with him by phone and email. He was able to complete all my insurance paperwork with no hassle. Thank you are the best .

Sathya Krishnakumar

2024-06-08

I recently purchased workplace insurance from ThinkInsure, and Betsy Bannon provided exceptional service. She promptly offered competitive rates and quickly addressed all my questions and messages, even when time was of the essence. Simply awesome job! I will definitely choose ThinkInsure again if I need insurance in the future. Thanks, Betsy, for your terrific customer service. I would recommend ThinkInsure , any day, for your insurance needs.

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.