Whether you specialize in residential painting, commercial work, or both, your clients count on you to deliver quality results. With painters insurance from Berxi, you can help protect your business, your finances, and your tools and equipment — with coverage designed for the unique risks of the painting industry.
Painters insurance refers to general liability insurance, which helps protect painting businesses and contractors from common risks that can arise while working at a client’s property. It covers third-party claims involving:
In addition, business personal property insurance helps cover the costs of repairing or replacing your equipment, tools, and supplies if they’re damaged or lost. You can add optional business personal property coverage to your Berxi general liability insurance policy.
Accidents can happen on any painting job, and the costs can add up quickly. A spilled paint can, damaged flooring, or a client tripping over equipment could result in expensive claims. Painting insurance can help cover costs such as medical bills, property repairs, attorneys’ fees, legal settlements, and damages resulting from covered claims.
Painters insurance isn’t just important for protecting your business: many homeowners, contractors, property managers, and commercial clients require proof of coverage before accepting a bid or allowing work to begin. Having insurance can help you meet those requirements and grow your business with confidence.
All painting businesses and professionals can benefit from painting insurance, including:
Berxi offers general liability insurance for painting businesses, contractors, and professionals, and you can add optional business personal property coverage to your general liability policy.
General liability insurance covers claims of third-party bodily injury and property damage related to your painting business. It also covers personal and advertising injury, including claims involving libel, slander, and certain copyright infringement in your marketing materials.
Examples include:
You can add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect the tools and equipment you rely on every day. BPP coverage can help pay to repair or replace your painting equipment, supplies, and other business assets if they’re damaged or lost. (Note that BPP generally doesn’t apply to normal wear and tear.)
Examples include:
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add optional workers’ comp coverage from one of our trusted partners to your Berxi general liability policy by speaking with our in-house product specialist team.
If you use a vehicle for business purposes, commercial auto insurance can help cover costs related to accidents, vehicle damage, and certain liability claims. This coverage is especially important if you transport employees, painting supplies, and equipment between job sites.
Professional liability insurance helps protect your painting business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.
Berxi’s general liability insurance for painting businesses starts at just $350/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, painting businesses who choose Berxi save an average of 15% vs. other insurance companies. The fastest way to find out how much you might pay for painters insurance is to get a quote.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting painters insurance is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your work. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“Berxi was considerably less expensive than my previous brick and mortar agent, and much more accessible. I wish I would have made the switch earlier.”
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Edward E.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
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Che H.
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy B.
Yes, it’s a good idea for solo painters and painting contractors to have general liability insurance. Even if you’re a one-person business, you can still face claims involving bodily injury, property damage, or other covered incidents while working at a client’s property. Insurance can also help you meet requirements from homeowners, contractors, and commercial clients who may ask for proof of coverage before hiring you.
In most cases, personal homeowners and auto insurance policies don’t cover business-related claims. If you’re using your vehicle, tools, or equipment for painting work, you may need separate business insurance to help ensure you have the appropriate coverage.
General liability insurance helps cover third-party bodily injury, property damage, and personal and advertising injury claims. Professional liability insurance helps protect you if a client claims your work, advice, or services caused them a financial loss, such as an allegation of negligence in your work or failure to deliver services as promised.
Your base general liability insurance policy doesn’t cover damage to your own tools and equipment, but you can add optional business personal property (BPP) coverage to your Berxi general liability policy, which can help pay to repair or replace your tools, equipment, supplies, and other business assets in case they’re damaged or lost. Covered assets include paint sprayers, ladders, sanders, work laptops, and more.
No, Berxi covers both. Many painting businesses perform both residential and commercial work under the same policy, and Berxi general liability insurance covers both. When getting your instant online quote, you’ll be asked how much residential painting vs. commercial painting you do to determine the correct level of coverage for you.
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