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What Does Liability Insurance Cover for Painters?

You know exactly how to use the perfect paint, stain, and varnish to completely transform a surface from ordinary to extraordinary. You’re skilled at precision, and have an eye for color. You know the right tools to use to get just the right effect on every finish.

But brushes and rollers aren’t the only tools that you use in your painting contractor business.

Before you even set up a ladder and open a can of paint, you need to have general liability insurance.

As a matter of fact, general liability (GL) is the bare minimum insurance you need to conduct business in any state.

Why Do Painters Need GL Insurance?

Whether you are an independent artisan or a small business owner, GL is the one thing standing between you and the risk of lawsuits over

  • Accidents
  • Injuries
  • Illnesses
  • Property Damage

Let’s face it. We live in a society where lawsuits are the norm.

If you had a claim brought against your company, the potential costs of judgements, settlements, court costs, and attorney fees could be more than you can pay.

One incident could put you out of business. Or worse.

GL insurance protects your business assets. And if you are the sole proprietor of your business, it protects your personal assets, as well.

What Does General Liability Insurance Cover?

What sort of protection does GL insurance offer you as a painting contractor?

1. Bodily Injury & Medical Expenses

If a homeowner gets tangled in the ladder that you’ve been using to paint a ceiling, guess who is at risk for a lawsuit.

Accidents happen.

But when an accident happens to someone else as a result of you doing your job, there could be a steep price to pay. When the homeowner gets tangled in your ladder and falls, the medical bills could get expensive.

Don’t worry about paying for the medical expenses out of your own pocket. That’s what your insurance coverage is for.

GI insurance is there to safeguard you in the event of such an accident. Your policy will cover medical expenses, and, in the absolute worst of unthinkable situations, funeral expenses and court-awarded compensation if a third-party injury results in death.

2. Completed Products

Did you know that a job you’ve already completed can still be a risk for a lawsuit? If your completed work results in an injury to a third-party, GL will protect you from expensive legal expenses and damages (up to your policy limits.)

Move forward from your finished jobs with confidence, knowing that you don’t have to constantly be looking over your shoulder.

3. Property Damage

Oops. Ok, so you probably don’t plan on inflicting a lot of unintended property damage during the course of your projects, but it does happen. Oil based paints, stains, paint removers, ladders… painting is an art that can carry a bit of a risk to someone else’s property.

If someone alleges that their property was damaged by your painting business, don’t panic about the high costs of a lawsuit. That’s what contractor liability insurance is for.

4. Advertising Injury

Remember that picture you found on the internet and loved so much you used it for your Facebook business page, and for some print collateral?

Turns out it had a copyright.

Even though you didn’t know it at the time, or do it on purpose, you would still be facing some major liability here. Advertising can be tricky business, and with GL you are covered in case someone alleges that you caused non-physical damage through your advertising.

When you are running a business, there is a lawsuit waiting for you at every turn. General liability insurance is the answer. You wouldn’t begin a paint job without getting your tools and supplies in order, and you shouldn’t paint a single stroke unless general liability insurance is among them.

Smiling Female Contractor



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