By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
The biggest risk for painters isn't just falling off a ladder—it's "Overspray." A gust of wind while using a sprayer can coat an entire line of cars in white spots, resulting in a multi-thousand dollar liability claim.
General Liability for Painters
A standard policy for a house painter averages $50 - $90 per month. Commercial painters specializing in industrial or bridge work face significantly higher premiums due to the environmental and height risks involved.
Frequently Asked Questions
In most states, no. But some general contractors will require you to show an 'Exemption Certificate' or carry a policy before you can join their job site.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.