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Contractors’ insurance protects against the financial risks present at all stages of business operations.
Painters specialize in painting and decorating properties or structures. These specialists face multiple risks, including falls from heights, being struck by objects, and property damage while working from ladders and scaffolding. Proper coverage is vital to protect employees from job-related injuries or damage caused by spilled paint or overspray. Whether your business contracts with homeowners or businesses, having the appropriate insurance is the most practical way to obtain financial protection when unexpected incidents happen.
The contractors’ insurance pros at Fairbanks Insurance Brokers recommend a formidable commercial insurance portfolio to protect against unseen perils.
Painting contractors’ general liability insurance is an integral component of a robust commercial insurance program.
This essential coverage protects your business from third-party injury at the job site or property damaged by you or your workers when your company is liable.
It’s common practice for painters to operate in the presence of their clients, leaving painting contractors’ general liability insurance as the first line of defense against potential lawsuits if injury occurs.
Painting contractors’ hazardous operations on ladders and scaffolding represent that the industry is subject to a high risk for injury.
Painting contractors’ workers’ compensation will protect your employees if they are injured or become ill from a job-related incident.
Painters’ workers’ comp helps pay for medical expenses, lost wages, and funeral expenses.
Most states require painting contractors with employees to have and maintain a painters’ workers’ compensation policy before commencing business operations.
Most state licensing boards require a painting contractor bond to activate a contractor’s license.
A painting contractors’ surety bond is a financial guarantee that a project completes as agreed to in a bid.
A painters’ commercial auto policy will cover your business vehicles for liability if you or an insured driver are found liable for an at-fault accident.
Painting contractors’ commercial auto insurance also covers your business vehicles and trailers if damaged in an accident, stolen, or vandalized.
Also known as painting contractors’ tool and equipment insurance, a painters’ inland marine policy will reimburse you and your business if your tools or equipment are damaged or stolen at the job site or while in storage.
Professional painting equipment can be expensive to replace, so we encourage contractors to obtain our affordable and valuable painters’ tool and equipment coverage.