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What to Look for in Insurance for the Painting Contractor

Painting contractors can be hired for outdoor or indoor work. This summary outlines the basic coverage needs of both types of painter.

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Exterior Painting Contractor Insurance

The insurance industry classifies each exterior painting job according to varying factors:

  • The kind of structure to be painted
  • Location of the structure to be painted

Once this has been verified, the likelihood of a related loss can be determined.

 Insurers take into account different factors.

A contractor that paints a bridge has to deal with vehicle traffic, risks involved with blowing winds as well as risks involved with heights.

Besides bottle-necking traffic, a contractor that paints a commercial building has to deal with the passing pedestrians.

The type of paint for any job and the exposure to fumes also contribute to the involved issues. Finally, the risks associated with paint over-spray may be excluded from coverage in some instances.

Interior Painting and Wallpaper Hanging Contractor Insurance

The interior painting and paper hanging contractor may work in a residential and/or commercial location.

Workers Comp insurance concerns are focused on the type of paint and adhesives utilized, as well as the number and height of scaffolding.

Because wallpaper varies in pricing, particularly in the made-to-order types, substantial installation floater limits may be needed.


For more on exterior or interior painting contractor insurance, contact an experienced independent agency

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTrust, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage at competitively lowest quotes. Visit us on our online insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: The exterior and interior painting and wall hanging contractor requires special insurance coverage to protect him or her from the inherent exposures. 


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