What insurance should my residential painting contractor carry?

Steve Reutzel

Residential Painting Insurance is probably the last thing you think about when considering repainting your home. Most home owners concern themselves with the color, sheen, and finish of their desired aesthetic. Few consider the risks inherent in hiring a contractor to do the work for you. Without the proper insurance, you could be at a loss if things go wrong. To protect yourself from costly medical bills or lawyer fees ensure your contractor has the appropriate residential painting insurance.

What insurance should my residential painting contractor carry?

Your painter should have a couple of layers of insurances, but none more important than general liability insurance at a minimum of $1 million.

General Liability Insurance- this protects you from being held legally responsible for injuries and accidents that occur during your painting project. It also protects the contractor in the case they are responsible for any damages to your home.

Other important insurances include:

  • Professional Liability Insurance- this level of insurance covers a contractor in the case of negligence causing financial losses.  

  • Worker’s Compensation- This is required in most states to cover the contractor’s employees in the case of injury on the job. If the company subcontracts the crew working, they are not required to insure those workers.

  • Commercial Auto Insurance- All vehicles the company uses and parks around your property should be fully insured.

Companies that advertise that they are fully insured include all of these insurances with the addition of full healthcare coverage for their employees. If the painters are subcontractors and not employees of the company, it is possible that none of the insurances apply to the people actually working in your home.

Why Do Painters Need Liability Insurance?

You only want to hire painting contractors who are ready for anything. There are many scenarios that might include the use of the contractor’s insurance. Without the proper coverages, you could be at a loss with nowhere to turn for the reimbursement of damages.

Accidents happen, and while dealing with the accident alone is a headache, imagine having to fight a company to pay for damages who was not appropriately covered. That headache would quickly turn into a very expensive nightmare.

Ask your residential painting contractor for insurance information

There are a number of steps you can take to protect yourself from hiring an under insured painting contractor.

  • Request to see all insurance documentation. This is a standard practice. If a contractor is reluctant to share this information with you, it could be a red flag. Otherwise, all applicable documents usually come already compiled in a folder or binder. They will include the insurance company, contact information and the painter’s policy number.

  • When you are reviewing the documents, ensure the through date covers your scheduled project. If the insurance expires before your scheduled project, request updated documents before the work begins.

  • Call the insurance companies and verify the company is still actively covered and at the appropriate level.

  • Ensure your contract states the appropriate level of insurance requirements.

Choosing a contractor to paint your home does not need to be an ambiguous process. ImageWorks Painting, INC strives to provide you with as much information as possible to protect you and your property from unnecessary inconveniences. We’re a hometown company and take pride in giving you the best possible residential painting experience. Contact us today to schedule your free estimate.

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Ready to get started with your next painting project but unsure if it is in your budget? Reach out to the expert painting team at ImageWorks Painting to schedule a free consultation today. Give us a call at 813-570-8800 (Tampa) or 724-898-2446 (Pittsburgh), or request a visit online.