You didn’t get into the painting business to spend your time reading insurance policies. You started a painting business because you’re good at what you do. Whether it’s a new construction site, a high-end home reno, or a growing fleet of commercial contracts, your painting business is scaling, and it’s scaling fast.

But here’s a question most painters don’t stop to ask until something goes wrong:

“Is my insurance keeping up with the size of my jobs?”

It’s easy to assume your existing policy is “good enough.” But insurance isn’t one-size-fits-all, and what protected you last year may not cover your needs today.

As your projects grow in size and complexity, so does your liability. Think about it…a larger crew results in higher workers’ comp risk. Bigger jobs lead to greater damage potential. Then you factor in new equipment, which means there’s more to protect, as well as more to lose. The more job sites you’re juggling, the more there are for things to go wrong. 

Even something as simple as paint spilled on an expensive floor or a ladder falling near a client’s car can become a five-figure problem. If your policy limits are too low, that could come out of your pocket.

As you take on larger contracts, your liability increases. So should your protection.

That might mean:

• Raising your general liability limits
• Reviewing your workers’ comp coverage (especially if you’ve hired new crew members)
• Ensuring your equipment policy covers all your tools and equipment
• Adding commercial auto or umbrella coverage if you’re doing multiple sites a day

Even your certificate of insurance could become a sticking point with General Contractors if you’re not showing the right coverage. 

We get it. You’re managing job timelines, quoting new work, and juggling a crew.

But here’s the thing: it takes less than 30 minutes to review your policy with an agent who understands painting businesses.

And those 30 minutes could save you thousands. They could even keep your business from shutting down after one mistake.

Our team of pros has helped dozens of painters update their coverage to match their growth. We’ll speak your language, skip the insurance jargon, and only recommend what you actually need.

Because at the end of the day, your job is to deliver a clean, professional finish and not to worry about what your policy covers.

Schedule a free coverage review today. We’ll help you spot any gaps and make sure your policy fits the work you’re doing and nothing extra.