- What is it?
Painters insurance provides tailored commercial insurance coverage for painters and their businesses. Policies normally have multiple coverage options that work together, providing robust protection.
- Who’s it for?
Most painters offering services in California should have painting insurance. Self-employed painters, residential painters, commercial painters and part-time side hustlers may all want a policy.
- What is offered?
- General Liability Coverage
- Professional Liability Coverage
- Commercial Property Coverage
Painters Insurance in California
What is painters insurance?
Painting houses and commercial buildings can be good work, but it comes with some risks. Painters need to consider what might happen if their equipment is stolen, a passerby trips and is hurt, or they’re in a car accident while driving to a customer’s location. Painters insurance might help financially protect California painters in these types of situations.
Painters insurance provides tailored commercial insurance coverage for painters and their businesses. Policies normally have multiple coverage options that work together, providing robust protection.
Which California painters is painting insurance for?
Most painters offering services in California should have painting insurance. Self-employed painters, residential painters, commercial painters and part-time side hustlers may all want a policy.
A policy could be purchased by contractors too, although this is less common. More often, contractors get a broader insurance policy that includes painters coverages and other coverages too.
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What insurance protections are available to painters?
Painters policies offer several coverages. A policy’s coverage options typically include:
- General Liability Coverage: Might protect against common (non-auto) accidents resulting in injuries to customers or damage to their property.
- Professional Liability Coverage: Might protect against mistakes or errors in a painter’s work that result in property damage.
- Commercial Property Coverage: Might protect a painter’s supplies and equipment, and a building if they have a physical location.
- Commercial Vehicle Coverage: Might protect a painter’s truck or van; normally required by state law.
- Business Income Coverage: Might protect against prolonged revenue losses caused by specific covered disasters or events.
Can a painters policy cover both residential and commercial painting?
Many painters policies have terms that extend to both residential painting and commercial painting. Painters who have individual and commercial customers shouldn’t have trouble finding coverage that meets their needs.
What does “additional insured” mean in a painting insurance policy?
Sometimes painting insurance policies list someone as an “additional insured.” Any party listed as an additional insured generally has the right to file a claim against the insurance policy. They’re another party, in addition to the policyholder, that’s covered.
For instance, a subcontractor may be listed as an additional insured on a general contractor’s policy. This might make sense if the subcontractor does a lot of work for the general contractor.
Subcontractors who are listed as an additional insured should speak with an insurance agent specializing in painting policies. A knowledgeable agent will be able to review the general contractor’s policy, and then recommend whether any other coverages should be purchased.
Is it possible to suspend painters policies during slow periods?
For painters not working year-round, suspending insurance for slower times of the year might seem to make sense. Students who don’t paint during the academic year, and exterior painters who only work during the dryer months, might not want to pay for coverage during the times that they’re not painting.
Canceling insurance altogether typically isn’t recommended, however, as it can leave equipment unprotected and potentially result in higher future premiums.
Instead, a knowledgeable insurance agent can help painters adjust their coverages for the months when they aren’t working. Necessary protections can be kept in place, while ones that aren’t needed during slow periods can be temporarily suspended. This better helps save on premiums without sacrificing essential protections.
How much do painters pay for insurance?
The rates that painters pay for insurance are based on many factors, and thus insurance premiums can vary somewhat. A painter’s location, customers served, services offered, equipment used and claims history are some of the details that commonly impact cost.
Even with variances in cost, however, painters policies tend to be quite affordable. They almost certainly cost less than what a major claim could be.
Where can painters in California find painters insurance?
If you’re a professional painter seeking painters insurance in California, reach out to the independent agents at Truck Writer Insurance Services. Our agents will work closely with you to find a policy that matches your needs and budget well.
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