Painter Insurance — no drips, no drama.
Painting looks low-risk until the overspray hits a parking lot of cars or a ladder meets a chandelier. We cover painting contractors properly — interior, exterior, residential, commercial — priced to your real mix.
Coverage you probably need
General Liability
Overspray, spills, and ladder accidents — plus the customer property you work around. What is general liability? →
Workers Compensation
Code 5474 — exterior height is what the rate reflects; required with employees. What is workers compensation? →
Commercial Auto
Vans and trailers hauling crews, sprayers, and solvents. What is commercial auto? →
Inland Marine (Equipment)
Sprayers and lifts — the gear that makes the schedule work. What is inland marine (equipment)? →
What can go wrong
- Overspray drifts across a parking lot of vehicles.
- A drop cloth fails and floors are ruined.
- A painter falls from staging or an extension ladder.
- Solvent storage causes a fire.
- A commercial client demands a COI you don't have.
What carriers usually ask
- Interior vs. exterior percentages (it changes the price).
- Maximum working heights.
- Spray vs. brush/roll mix.
- Residential repaint vs. new construction vs. commercial.
- Payroll and seasonal crews.
Common contract wording
Commercial and HOA contracts typically require $1M/$2M GL with additional insured status; some also require workers comp evidence even from small crews.
State notes: Some states rate structural/steel painting in a much higher class — tell us everything you paint.
Get covered for Painter Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentPainter Insurance FAQs
Is overspray really covered?
Yes — third-party property damage is core GL. Frequency is the enemy: containment discipline keeps you insurable and cheap.
I'm interior-only. Does that cost less?
Typically yes, in both GL and comp. Make sure your policy reflects it rather than paying blended exterior rates.
Do you cover lead-safe (RRP) work?
Yes with the right markets — certified lead-safe practices are an underwriting plus, not a problem.
One-day COI for a commercial job?
Same day once bound, with the wording the contract asks for.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.