Painting Contractor Insurance

Painting contractors need general liability, workers' comp, commercial auto, and tools coverage. Overspray property damage, lead paint, and work at height are the exposures underwriters focus on.

Key exposures for painting contractors

• Overspray property damage to neighboring property/vehicles
• Lead paint and industrial coatings
• Work above two stories and on scaffolds
• Waterproofing / EIFS (often excluded)
• Subcontracted labor

Coverages a painting contractor typically needs

General liability, workers' comp, commercial auto, and a tools floater. Spray application and industrial coatings get closer review; waterproofing/EIFS may be excluded.

Workers' comp note

Painting carries a moderate workers' comp rate; height and scaffold work raise the hazard. See workers' comp in California and how your X-Mod works.

FAQ

Does painting insurance cover overspray damage?

General liability can respond to overspray property damage, but disclose spray application so the policy is rated and written correctly.

Is lead-paint work covered?

Lead and industrial-coating work is underwritten carefully and may need specific terms; tell your advisor if you do it.

General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; CSLB classes and coverage availability vary by operation and carrier. Related: contractor insurance · general liability · certificates of insurance · quick quote.