Florida Painting Contractor Insurance quote and information.

1. Who is Florida painting contractor insurance for?
2. What risk exposure do Painting Contractors have?
3. What is the price of Painter insurance?
4. Is insurance for Painters required in Florida?
5. What coverages are common to Painting businesses?
6. Can you provide insurance anywhere in the state?

Who is Florida painting contractor insurance for?

Florida painting contractor insurance is for businesses that include but are not limited painting of residential or commercial buildings. Painters may work with a variety of structures. Such as ships, bridges and tanks, street or parking lot striping and signs.

Paints may include stains, enamels, varnishes, soundproof or waterproof substances, and insulation. Painters may perform work on new construction. Ongoing maintenance or renovation. Typically the work involves surface preparation, application of the paint, finish work and cleanup.

The unique risk of lead-based paints arise from the remodeling of older homes. Lead contamination has liability, environmental, and workers comp related hazards that need serious review and evaluation.

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What property risks do painting businesses have?

Some businesses may just have an office. Yet others may include a yard for storage or have a shop operation with dip tanks and/or spray booth. Any painting on premises offers potential risk of fire and explosion. Poor housekeeping, improper storage or labeling increases the hazards.

The contractor’s tools and equipment, the transport of paints and materials, and installation add exposure. The types of jobs determine the type of equipment; in addition to brushes, rollers and other hand tools. There may be sprayers, ladders, scaffolding and cherry pickers.

Also there might be rental, leasing or borrowing of equipment due to occasional use. The transport of paint and other materials and equipment can be difficult. During installation, the materials are subject to loss or damage by fire, theft, vandalism, etc.

What are the environmental risks?

These hazards are very serious, and arise from the application chemicals. One very prominent exposure is lead paint. Although lead paint is now a controlled substance; this type of paint is still approved for some commercial and industrial applications.

Are automobiles used by painters protected?

Auto exposures may exist for the transport of workers, equipment, paints and other materials. Hazards depend on the type and use of vehicles. Also the radius of operation. The main hazard being spills while hauling paint. Vehicles may have built-in equipment such as lifts and hoists. Age, training, experience, and driver’s records are important. As well as the age and condition.

Is worker’s compensation important?

Workers are exposed to paints and thinners that generate fumes. Exposure to dust and chips that may contain lead. Lifting, the use of power tools, and foreign objects in eyes. Casual labor and high turnover may be a problem. Especially in the prep and cleanup work.

Work on ladders and scaffolds can cause serious injuries because of falling or falling objects. The lack of safety devices and procedures is a significant concern. As is the need for ongoing repair of equipment such as ladders and scaffolding.

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What is the price of Florida painting contractor insurance?

There’s no single price, because insurers rate each painting business on its own details. The biggest factors are the ones our quote form asks about: your payroll and number of employees, which drive the workers’ compensation premium; your annual revenue; how much of your work is residential or new residential construction; whether you work above three stories or do any roofing; whether you use subcontractors and whether they’re insured; the liability limits you want; your years of experience; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Painters required in Florida?

Painting is on Florida’s list of construction class codes (class code 5474, Rule 69L-6.021), so Florida requires workers’ compensation as soon as you have one employee. Owners who are corporate officers or LLC members count as employees unless they hold an exemption (Florida Division of Workers’ Compensation).

If your work requires a state contractor license, that license also requires public liability and property damage insurance (Rule 61G4-15.003, Florida Administrative Code). Your county, and any general contractor you work for, may also require proof of insurance before you start a job.

What other insurance should a Painters consider?

Business Personal Property, Contractors Equipment, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.