Industries · Painting
Painting Contractor Insurance
Painting looks simple to outsiders, but overspray, ladder falls, and damage to finished surfaces are real exposures. KTL can help painting businesses review options for interior, exterior, residential, and commercial work.
Get a Painting QuoteExposures to think about
- Overspray or damage to customers' property, vehicles, and finishes.
- Ladder and scaffold work that can create fall exposure for employees.
- Lead paint, surface prep, or specialty coatings that may need specific review.
- Crews traveling between job sites with sprayers and ladders.
Coverage options to discuss
Contractors General Liability
General liability is usually the first policy a client, general contractor, or property manager asks to see. It is designed to respond to claims that your work or operations caused bodily injury or property damage to someone else, subject to the policy's terms, limits, and exclusions.
Contractors Workers' Compensation
Workers' compensation is designed to provide benefits to employees who are injured on the job, as defined by state law and the policy. Most states require it once you have employees, and many general contractors require proof of it from their subcontractors.
Commercial Auto & Work Trucks
If your trucks, vans, or trailers are titled to the business, carry tools and materials, or are driven by employees, commercial auto is the policy designed for that use. It can include liability, physical damage, and other coverages depending on what you select.
Tools & Equipment Insurance
Your tools travel with you, and a general liability policy is not designed to cover your own property. Tools and equipment coverage — often written as an inland marine or contractor's equipment floater — can cover your gear on job sites, in transit, and in storage, subject to the policy terms.
Practical questions we'll ask
- What share of work is interior versus exterior?
- What is the maximum height you work at, and do you use scaffolding or lifts?
- Do you perform lead abatement, industrial coatings, or waterproofing?
- Do you use subcontracted crews?
Your answers help an agent understand which markets may be a fit. Not every painting business qualifies with every carrier, and some operations require additional underwriting review.
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Ready to review your coverage?
Tell us about your business. A KTL agent will review your information and follow up about available options.