Construction & trades

Painters

Painting contractors doing interior and exterior residential and commercial work.

Why it needs cover

The exposure

Painters risk overspray and property damage to client premises, plus slips, falls, and fume/solvent exposure for workers. Exterior and commercial work at height raises severity.

What we place

Coverages this class usually needs

General liabilityOften (contract)

Property damage (overspray) and injuryFrequent client-property contact

Workers' compensationRequired (with employees)

Injured-worker costsFalls and solvent exposure

Commercial autoRequired (owned vehicles)

VehiclesMobile trade

Inland marine (tools)Optional

Sprayers, ladders, toolsPortable gear

What it costs

National benchmark premiums

Rated on: Payroll (WC) and revenue (GL)

General liability

$59/mo

BOP

$84/mo

Workers' comp

class code 5474 (painting), national average roughly $5.57 per $100 payroll; painter WC averages ~$239/mo

Total annual (typical)

$900-$2,400/yr for a small crew program

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Painter cost); Insuranceopedia (NCCI 5474); Thumann Insurance Agency.

When it goes E&S

Where this risk gets hard to place

Industrial coating, lead abatement, and high-rise exterior work plus loss history can move painters to E&S.

Contact

Talk to us about Painters.

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