The insurance world can be hard to navigate, especially for a small business such as a local painter. There are several types of insurance policies that businesses should have. Perhaps the most important is general liability insurance.
General liability insurance is a broad policy that protects businesses from the costs associated with liability risks. General liability insurance for painters is essential, given the nature of their jobs. Painters regularly perform services that pose a liability risk, such as removing wall coverings, getting rid of lead-based paints, and painting over valuable structures and materials. In the past, painters have been sued for paint spills, accidents, and other common mistakes. General liability insurance covers you should these lawsuits affect your business.
Who Needs Painter’s Insurance?
If you own and operate a painting business, you should have painter's insurance. Painters' insurance will ensure that you and your business are protected from potential liability risks, even if you are the only employee at your business.
What Type Of Insurance Should A Painter Have?
General liability insurance isn’t the only insurance a painter should have. There is a suite of insurance options for painting businesses to choose from. You should talk to a trusted insurance advisor to make sure you get the best coverage for your company.
Here are some different types of insurance we recommend for painters.
- Commercial Auto Insurance: If you use a van or other automobile to travel between jobs, commercial auto insurance is essential to your painting business. Commercial auto insurance can cover multiple vehicles belonging to your business and will help you pay for costs related to collision damage, medical payments, and roadside assistance.
- Workers’ Compensation: Workers’ compensation insurance is required by the State of Arizona for any business with employees. It will help your employees get back to work as soon as possible and ensure they’re protected in the event of an accident.
- Commercial Property Insurance: Commercial property insurance helps you protect the essential instruments you use to do your job every day. For painters, this means protection for paint sprayers, paint, specialized tools, and more. Property insurance can also protect any important documents. If you rent or own a workspace, that is covered too. Commercial property insurance protects all your business’s physical assets, no matter where they are.
What Does Liability Insurance For Painters Cover?
Liability insurance for painters covers a variety of situations and scenarios. Here are a few:
- Damaging paint spills
- Overspray
- Ladders ruining flooring
- Injury to third parties
- Defense costs in the event of a lawsuit
- Broken windows
Talk To A Trusted Independent Insurance Advisor
Using an independent insurance agent is the best way to find painters insurance that fits your needs. Independent agents are different because they work in your best interest. They serve as trusted advisors – not quote machines – to help you find the best insurance for your business needs.
At TruView Insurance, our independent insurance agents have a proven track record of helping small business owners in Arizona find insurance. We work with our customers to tailor insurance options to their budgets and coverage needs. If you’re ready to purchase a general liability insurance plan for your painting business, call our office to speak to a professional insurance advisor today.