Painters Insurance: Brush Off Risks and Protect Your Business
Request a QuoteWhether you're rolling fresh coats onto new homes or restoring historic exteriors, painting is more than color—it’s craft. But behind every perfect finish is a business full of risk. At Craven Insurance, we help painting contractors stay protected with painters insurance that covers what matters most.
We understand the hazards—ladders, solvents, overspray, client property damage. You work high, fast, and in all kinds of environments. That’s why having the right painting business insurance is critical to keep your operation running smoothly.
Our team takes time to understand your work, so we can offer painter-specific insurance coverage tailored to you—whether you’re a solo artist or running a team across multiple job sites.
Why Do Painters Need Insurance?
You’ve got the brushes, scaffolding, and client list—now it’s time to protect everything you’ve built. Accidents happen, and for painters, they can be expensive. A paint spill on hardwood floors, a ladder fall, or a lawsuit over fumes can cost thousands—or more.
Painters insurance is your safety net. It ensures that one mistake doesn’t turn into a financial disaster. With Craven Insurance, you’ll get coverage built for your trade, from general liability to equipment protection and everything in between.
What Does Painters Insurance Cover?
Here’s a look at the most important coverages every painting business should consider:
General Liability
Protects against third-party injuries and property damage. If paint gets on a client’s furniture or someone trips over your drop cloth, this has you covered.
Tools & Equipment
Covers your ladders, sprayers, brushes, and more if they’re stolen or damaged—on the job or in transit.
Commercial Auto
Covers vehicles used for your painting business, including accidents, theft, or vandalism while transporting gear and paint.
Workers Compensation
Required if you have employees—covers injuries on the job like falls or chemical exposure.
Professional Liability
Also called Errors & Omissions, it protects you against claims of negligence, missed deadlines, or improper recommendations.
Commercial Property
Covers your shop, storage unit, or office if damaged by fire, theft, or vandalism.
Common Claims in the Painting Industry
Here’s a quick look at typical insurance claims painters face and what they cost on average:
| Claim Type | Average Cost |
|---|---|
| Property Damage (e.g., spilled paint on flooring) | $8,500 |
| Ladder Falls/Injuries | $37,000 |
| Tool Theft from Vehicle | $4,200 |
| Overspray Damage | $12,000 |
| Missed Deadline Disputes | $18,000 |
Who Should Have Painters Insurance?
If you paint for a living—even part-time—you need coverage. Whether you’re climbing ladders in residential neighborhoods or spraying entire buildings for contractors, painters insurance protects your business, your gear, and your future.
You’ll benefit from this coverage if you are:
- An Independent Painter working solo or subcontracting.
- A Painting Contractor with multiple crews and job sites.
- A Residential or Commercial Painter offering interior or exterior services.
- A Specialty Painter doing decorative, faux finishing, or industrial coating work.
What Makes Craven Insurance Different?
We’re not just insurance people—we’re business people who understand the real-world risks painters face. We take the time to understand how you work, what equipment you use, and where your risks lie. Then we craft coverage that fits—no fluff, no gaps.
- Fast Quotes: So you can get back to booking jobs.
- Friendly, Local Support: We’re right here when you need help or answers.
- Flexible Policies: We can grow your coverage as your business grows.
We’re in your corner—rain or shine, ladder or lift.
Don’t Let One Mistake Ruin Your Reputation
Your work speaks for itself—but one accident can drown out years of trust. With the right painters insurance, you’ll have the confidence to keep moving forward, no matter what happens.
Let Craven Insurance help you protect what you’ve built. From surface prep to finishing touches, we’ve got your back with affordable, reliable coverage made just for painters like you.
Request a Quote
Need help? Call us today at 360-341-7200 and speak with a local insurance advisor who understands the painting industry inside and out.
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