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.
