Painters Insurance: Coverage, Cost and Top Providers

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What types of business insurance do painters need?
Type of insurance | What it pays for | Find a provider |
Third-party claims of bodily injury or property damage. May be required by your city or state. Clients may also require proof of liability insurance. | ||
Legal costs related to claims of mistakes or negligence, including breach of contract or missed deadlines. | ||
The cost to replace structures and physical assets, such as tools or building materials, that are damaged due to fire, vandalism or other covered events. (Note: Can be combined with general liability insurance with a business owner’s policy.) | ||
Expenses related to accidents, such as property damage and injuries, when driving a covered vehicle for business purposes. | ||
Medical bills for employees and/or contractors who suffer a work-related illness or injury. Required in most states if you have at least one employee. | ||
Tools and equipment insurance | The cost to repair or replace lost, damaged or stolen tools, including ladders, workbenches and stand lights. This coverage protects equipment whether it's in your vehicle, in a trailer or on a job site. |
How much does business insurance cost for painters?
- General liability insurance for painters: $50 per month, $600 per year.
- Workers’ compensation insurance for painters: $275 per month, $3,320 per year.
- Commercial auto insurance for painters: $135 per month, $1,600 per year.
- Tools and equipment coverage for painters: $15 per month, $170 per year.
Top options for painting insurance
State Farm: Best overall customer satisfaction
- One of the top providers for overall customer satisfaction according to J.D. Power’s 2021 U.S. small commercial insurance study.
- Agents available in all 50 states and Washington, D.C.
- Online quotes not available.
- Claims cannot be filed online.
Next: Best for online quotes, claims
- Purchase your policy entirely online.
- Claims are typically resolved in 48 hours.
- Relatively new to the market (founded in 2016).
- Not available in New York or Washington, D.C.
Progressive: Best for bundling business, auto coverage
- Online quotes available.
- Discounts for bundling business and auto insurance.
- Most business insurance policies are through a third party.
- Can’t file a claim through Progressive (except for commercial auto).
Read some of our reviews of popular business insurance companies: | ||
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