Painting Business Insurance for Connecticut

The painting business can involve a variety of risks, from climbing ladders, lifting heavy buckets of paint, to spills and slips. Contact the experienced team at Cross Insurance to help you explore various coverage options.

Does a Painting Business Need Insurance?

The term “commercial painter” is a broad term that can be used for many different specialized painting businesses. If you fit into one of the following categories, you may want to consider speaking with an insurance agent to discuss your insurance options:

  • Interior Painting
  • Exterior Painting
  • Construction Painting
  • Staining
  • Repaints
  • Striping

exterior painter standing on ladder

Insurance Quotes for Your Connecticut Painting Business

If you are looking to get a quote for your painting business, reaching out to us is as simple as filling out this form. If you prefer to call one of our offices to start the quoting process, you can find a list of all of our offices here. From there, a member of our team will connect with you to get more details on the size of your business and the types of insurance plans you are interested in.

Coverages Painting Businesses Should Consider

Whether you have been running a painting business for decades or are contemplating starting one, you probably know that the industry is filled with a number of risks. Protecting your assets should be at the forefront of your mind, Below are some common coverages that you should consider.

General Liability

General liability insurance can help to provide your painting business with protection for certain third-party liability claims related to your business operations. This could include, for example, one of your employees accidentally causing physical damage to a customer’s property while painting. General liability can also include coverage for certain types of personal and advertising injuries, such as claims for defamation or copyright infringement.

Commercial Auto

Moving paint, stain, or other materials from place to place is likely essential to your business. From commercial pickups to commercial transit vehicles, Cross Insurance can help provide coverage for many types of vehicles used for commercial purposes.

industrial panel van used for business transportation

Workers’ Comp for Painting Businesses

If your business has employees, Workers’ Compensation may be a state requirement. As the painting industry can be a high-risk work environment, workers’ comp can help cover medical bills for employees who are injured or become ill because of work related events. It can also help cover a portion of lost wages while they are recovering.

Professional Liability

Professional Liability, also known as Errors and Omissions (E&O Insurance), can help protect you if a client believes a mistake you made caused them financial loss and decides to sue you. Some examples of situations that could expose your business to professional liabilities include negligent acts or omissions while working on a client’s project, harm to a client resulting from a missed deadline, and inaccurate advice resulting in property damage or other loss to a client.

Commercial Property

Commercial property insurance can help protect your business against certain types of physical damage to your building and the contents within. Whether you own the building or lease the space, commercial property insurance is highly recommended. The following are some of the assets commercial property can help insure:

  • Your building
  • The equipment and tools inside your building such as paint, brushes, rollers, staging, and ladders
  • Outdoor signage, banners, and other materials
  • Certain landscaping components

How Much Does It Cost to Insure Your Painting Business?

What a business owner might pay per year to cover their business depends on a variety of factors. Some of these include the number of employees your business has, where your business is based out of, and the value of your equipment. The types of insurance and the coverage limits you select will also determine your annual insurance costs. If your business has grown, you may want to think about increasing your coverage limits. Reach out to your local office to request a quote based on the needs of your business.

closeup of employee painting curb

Ways to Potentially Save on Insurance for Your Business

Looking to save on how much you pay for your insurance? Obtaining quotes and prices from different companies is a great start. Contact Cross Insurance to start your quoting process and so we can help to provide you options from different insurance companies we represent.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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