Insurance Categories

We work hard to match your needs with the best carrier.

Insurance Carriers

We work hard to match your needs with the best carrier. Check out all of carriers.

Client Portal

Convienent online access to view an insurance summary or make common requests.

Florida Painter Insurance quote and information.

  1. How do insurance companies define Painting Contractor?
  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?



How do insurance companies define Painting Contractor?

Painting operations are not limited to just interior and exterior painting of residential or commercial buildings, but include a variety of structures, such as ships, bridges and similar structures, tanks, street or parking lot striping, and signs. Paints may include stains, enamels, varnishes, special soundproof or waterproof substances, and insulation. Painters may perform work on new construction, in connection with ongoing maintenance or in a renovation. Typically the work involves surface preparation, application of the paint, finish work, and cleanup. A unique exposure arises from the remodeling of older homes and buildings where old lead-based paints must be removed and disposed of. Lead contamination has liability, environmental, and workers compensation related hazards that need serious review and evaluation.

Want a Free Quote or have a Quick Question?

What risk exposure do Painting Contractors have?

Property Exposures
May be just an office, may include a yard for storage or may have an extensive shop operation with dip tanks and/or spray booth. Any painting on premises offers potentially catastrophic risk of fire and explosion. Proper control of flammables is essential. Poor housekeeping or improper storage or labeling of flammable, hazardous, or reactive substances significantly increases the inherent hazards of painting operations. If there are shop operations, the absence of an approved paint booth and explosion-proof lighting may indicate a morale hazard.

Inland Marine Exposures
Include the contractor’s tools and equipment, the transport of paints and materials, and installation 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, cherry pickers, and similar equipment. There may be rental, leasing or borrowing of equipment due to occasional use of a certain type of equipment. The transport of barrels of paint and other materials and equipment can be difficult and training in proper handling is essential. During installation, the materials are subject to loss or damage by fire, theft, contamination/damage by employees of other contractors, vandalism, and weather-related perils (wind, rain, etc.).

Premises Liability Exposures
Is a concern both at the contractor’s yard and the job site. If there is a storage yard or shop operation, the potential fire hazard affects not only the insured but also neighboring businesses or homes, so controls in waste handling and fire control are important to protect the neighbors. Outdoor storage may create vandalism and attractive nuisance hazards that must be protected against. Job-site exposures include the potential of injury to the public or to employees of other contractors plus the potential of damage to others property or completed work. Injury or damage may be caused by spills, overspray, paint fumes and vapors and from falling objects if any work is done above ground.

Removal of old paint or wall coverings may involve scraping, chemical applications, or sandblasting. All have potentially high premises damage exposures. In addition, any exterior painting presents an over spray exposure which may damage surrounding premises, vehicles, or structures. All exterior spray painting or sandblasting operations need to be handled with great care.

When interior work is done in buildings, ships, tanks, or other structures, ventilation is vital for the safety of clients, passersby, and the contractor’s workers since fumes can cause severe bodily injury.

Environmental Impairment
Hazards are very serious, and arise from the application or removal, transport, and disposal of paints, solvents, and other chemicals. One very significant and increasingly prominent exposure is lead paint. Although the application of lead paint is now a controlled substance, this type of paint is still available and approved for specific commercial and industrial applications. The chips and dust generated during surface preparation present a significant hazard because ingested lead is associated with severe neurological and developmental disorders, especially in young children.

Automobile Exposures
Include the transportation of workers, equipment, and paints and other materials. Hazards depend on the type and use of vehicles, and radius of operation with the main hazards being upsets or spills while hauling heavy containers of paint. Vehicles may have special modifications or built-in equipment such as lifts and hoists. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider.

Workers Compensation
Exposures include work at heights, use of caustics, 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 which can cause serious injuries because there is a potential for injury from falling or being struck by falling objects. The absence of controls (personal protection, safety devices and procedures) is a significant concern, as is the need for ongoing maintenance of equipment such as ladders and scaffolding.

Another serious exposure is the removal of old paint. Lack of a procedure to determine if the paint to be removed is lead based, or lack of procedures for safe clean-up and disposal of chips and the solvents used to remove lead, adds significantly to the loss potential.

Want a Free Quote or have a Quick Question?

What is the price of Painter insurance?

We are sorry, we haven’t posted an answer to this question yet. Ask us now and we will respond and
post the answer in one business day.

Ask An Agent Now

Is insurance for Painter required in Florida?

We are sorry, we haven’t posted an answer to this question yet. Ask us now and we will respond and
post the answer in one business day.

Ask An Agent Now

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 across the state?

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

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach