Painters Insurance Built for Small Businesses
What type of insurance do painters need?
Liability Insurance for Painters That Covers What Matters
As a painter, your job is all about detail, precision, and creating great results, your insurance should deliver the same. At Gild, we provide painters insurance designed specifically for small businesses and independent professionals. Whether you’re painting interiors, exteriors, or commercial spaces, we offer flexible protection including liability insurance for painters and tools-focused coverage. Our plans make it easy to find the painters liability insurance that fits your work style and risk level. With Gild, getting the right insurance for painters is simple, affordable, and tailored to how you do business.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Insurance For Painters Reliable For Residential And Commercial Jobs
Every project, surface, and client site comes with risk1. That’s why Gild’s insurance for painters is designed to protect your work, your tools, and your reputation. Our affordable, flexible policies help cover third-party injuries, property damage, equipment loss, and service-related claims. Whether you focus on residential touch-ups or large commercial contracts, we offer expert-backed coverage that fits your painting business today and supports your growth ahead. With Gild, reliable protection is always part of the job.
- General Liability Insurance – Covers property damage and third-party injuries.
- Business Owners Policy– General liability and business property coverage all in one.
- Tools & Equipment Coverage – Protects essential gear from theft or damage.
- Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
Understanding Insurance Costs For Painters
The cost of insurance for painters depends on your business size, payroll, claims history, and the policies you choose.
-
General Liability Insurance – $250 a year
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Business Owners Policy – $350 a year
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Tools and Equipment – $100 a year
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Workers Compensation – $500 a year
The best way to find your painter insurance cost is to get a free, online quote in minutes!
Join the Gild Contractor Network
The Gild Contractor Network connects qualified professionals with homeowners and businesses looking for reliable, insured help. Joining the network is free and open to qualified contractors who want to grow their visibility, strengthen their credibility, and reach more potential clients. Whether you already have coverage or are exploring business insurance, Gild helps you connect with the right customers and showcase your professionalism.
Get The Right Painters Insurance Need Today!
At Gild, our small business agents build coverage packages that match the way you work, not a one-size-fits-all plan. We provide the protection you need so you can focus on quality work while we keep your business secure and ready for the next job.
1 https://www.bbb.org/all/industry-hub/painters
Frequently Asked Questions
A painting business should typically carry:
- General Liability Insurance – covers client injuries or damage to property (e.g. paint spills, ladder accidents, accidental surface damage).
- Workers’ Compensation Insurance – required in nearly all states if you have employees; covers injuries like falls, chemical exposure, or strains.
- Inland Marine (Tools & Equipment Insurance) – protects painting tools, ladders, and equipment while on the move or at multiple job sites.
- Commercial Auto Insurance – essential if you use a vehicle to haul supplies or your crew to jobs.
- Professional Liability (E & O) – helpful if paint recommendations, color matching advice, or estimates lead to client dissatisfaction or financial loss.
Without these coverages, even everyday incidents—like equipment mishaps or a slip—can expose your business to high out-of-pocket costs.
Is insurance required for independent painters?
Yes! Depending on your region and client base:
- State licensing or permitting systems often mandate liability insurance for residential or commercial painters.
- Clients—especially commercial or real estate—frequently require proof of insurance before permitting access to the property.
- Municipal or building permit protocols may also list required insurance types and limits.
Even if not legally required, carrying insurance demonstrates professionalism and protects your financial well-being.
How much does painter insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does painter insurance cover damage to a client’s property?
Absolutely! But with the right policy coverage:
- General Liability Insurance covers accidental damage while working—such as overspray, floor drips, or equipment marks.
- Completed Operations Coverage (a components of general liability) covers damage discovered after job completion—like cracking, chipping, or peeling paint.
- Inland Marine Coverage can cover damage or loss of your equipment that could indirectly harm your job delivery.
The right policies protect you, and the client, from the cost of accidents that can happen on-site or after the job is done.
Let's Get The Best Insurance For Your Business Today!
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