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A Painting and Decoration Contractor Insurance
Finding The Right Insurance For Your Painting and Decoration Business Is An Important Step In Protecting And Growing Your Business. KYC Insurance® handles all your Insurance needs!
What Does a Painter Do?
As a painter, you are an expert in preparing walls for painting and painting them with skill and precision.
A painting and decorating contractor prepares by scraping, sandblasting, or other means, and applies any of the following: paints, papers, textures, fabrics, pigments, oils, turpentine, dryers, thinners, varnishes, lacquers, stains, fillers, waxes, adhesives, water and any other vehicle, medium and material that adheres by evaporation and can be mixed, used and applied to the surfaces of structures for decoration, protection, fireproofing and waterproofing purposes.
What Insurance Coverage Do I Need As A Professional Painter?
Having the right insurance coverage for your painting business can help you win new business and also protect you financially if accidents happen. Although you are likely to operate your painting business safely, unfortunate accidents do happen, and in the event that someone is injured or your property damages the property, you will want to have insurance coverage for your peace of mind.
Here are some of the most common coverages for painters:
Protect your business if you physically harm another person or cause damage to someone else’s property. Many customers require electrical contractors to have commercial liability insurance to be purchased.
Property Damage: Accidentally dropping your tool belt and damaging your customer’s custom flooring
Bodily Injury: Customer Trips Over Left Power Cords and Sues His Company for Negligence
Products and Operations Completed: Due to faulty electrical work, one month after completing a job, a fire starts at the customer site. The client sues your company for damages caused by fire.
Protect your business if you or one of your employees have caused injury or harm to another person while driving a commercial vehicle or while driving for business purposes. It also protects your company vehicles against damage or theft.
Your work truck crashes into another vehicle on the way to electrical work. The other driver is injured and sues your company.
Your company truck is stolen from the parking lot in front of your company.
It provides funds for medical expenses and lost wages if one of its employees is injured or dies while working. In almost all states, workers’ compensation insurance is required for businesses that have employees.
One of your employees receives an electric shock and injures his hands. Workers’ compensation insurance provides coverage for an employee’s medical bills, rehabilitation expenses, and a portion of his lost income while he is unable to work.
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NOTICE: Some policies may take longer depending on current status and other special considerations.
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