Operations this guide may include
- Residential interior and exterior painting
- Commercial and tenant-improvement painting
- Pressure washing, surface preparation, and staining
- Specialty coatings, wall coverings, and light repair related to painting
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What percentage of work is residential, commercial, new construction, or existing buildings?
- What are the maximum heights, project values, and typical access methods?
- Are spraying, scaffolding, lifts, lead abatement, industrial coatings, or hot work involved?
- How are subcontractors, occupied spaces, overspray, chemicals, and customer property controlled?
Coverage topics to discuss
General liability
Jobsite, overspray, customer-property, and completed-work exposures arising from covered operations.
Workers compensation
Employee injury considerations involving ladders, lifts, repetitive work, materials, and state requirements.
Commercial auto
Trucks, vans, trailers, drivers, and transport of people, tools, and materials.
Contractor equipment
Sprayers, pressure washers, scaffolding, lifts, tools, and mobile equipment used away from the premises.
Information worth preparing
- Work-type, customer, height, and project-size breakdown
- Employee, subcontractor, payroll, and certificate-control details
- Vehicle, trailer, tool, lift, and equipment schedules
- Safety, chemical, overspray, contract, current insurance, and loss information
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Explore this guide →This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.