Insurance for Painters should include these coverage options:
Why Do You Need Insurance For Painters?
You can transform a wall into a work of art. No one cuts in better than you do! The word is out, and your waitlist is building. Sometimes things don’t go to plan, though. Your professional paint tools and supplies could get stolen from your garage. A customer could trip over a bucket of paint while you work. Can your painter company withstand the potential risk from those types of incidents?
Those are just a couple of unexpected events that can happen on even the most routine seeming painting jobs. Keep your hard work covered with solid business insurance. Insurance for painters from B2Z Insurance reduces your costs for liability and other property claims, as well as provides the financial support needed to repair or replace your paint tools and equipment if your operation is impacted by theft or fire.
What Painter Business Insurance Coverage Do You Need?
Workers’ Compensation Insurance.
If your painting business employs part-time or full-time help, it is the type of company most states require to have Workers’ Compensation coverage. Considering the high cost of on-the-job employee injuries in the painting field and the potential illnesses sustained from the job, it makes sense to have workers’ compensation coverage. This coverage helps protect your painting business from impending medical bills, lost wage claims, and legal fees related to lawsuits filed by employees.
Business Owner’s Policy (BOP).
A BOP is essential for painters. This type of insurance is general liability and property damage coverage combined in one policy—it’s convenient and affordable comprehensive coverage for your painter business. A BOP extends to cover property damage, including the loss of your paint tools from catastrophic events, and it may help ease financial obligations following a liability incident, such as a customer slip-and-fall accident where you’re working.