Painters Insurance

Whether you run a large painting business or a self-employed contractor, protect your company from potential liabilities with Painters Insurance.

Join thousands of Painting Businesses that are already protected!

Partnership with over 50 leading Canadian insurance companies

Zen Man- Painter

What is Painters Insurance?

Painters Insurance is an insurance policy specially designed for painting contractors to protect them against specific risks they may encounter, such as third-party injuries and property damage.

Mistakes can happen, and potential lawsuits against your business can leave your operations damaged beyond repair. We know what makes your painting business unique, leave it to us to find the best coverage.


What does Painters Insurance cover?

As a painting contractor, your work involves using toxic chemicals that could potentially harm people or property. It is essential to have the proper insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive Painters Insurance package will typically include the following:

  • Commercial General Liability Insurance covers costs associated with common liability risks for painters, such as third-party injuries or property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage, and environmental damage due to gradual and sudden pollution events on a renovation job site.
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.
  • Commercial Property Insurance: covers for physical loss or damage to your property (rented or owned) and its physical contents due to an external disaster, such as a fire, theft, or vandalism

Should a painter have insurance?

Whether you offer commercial or residential painting, there may be risks of third-party injuries and property damage resulting from work-related accidents.

Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:


How much does Painters Insurance cost?

The cost of insurance for a painter working on residential projects typically starts at around $450 for a General Liability Insurance policy with a $2M limit.

There are several factors considered when determining a price for your insurance policy package, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

Complete our 5-minute online application form for a free Painters Insurance quote.

Common scenarios where Painters Insurance is useful

Crystal Chandelier

Problem: While painting inside a home, you accidentally knocked down your client’s crystal chandelier shattering it to pieces.

Outcome: Your Commercial Liability Insurance would cover the cost to replace the $66,000 worth of property damages.

Paint Cans

Problem: Someone broke into your storage facility, stealing all of your paint and supplies inventory.

Outcome: The cost to replace your stolen equipment amounted to $23,000, covered by your Tools and Equipment Insurance policy.

old paint inside home

Problem: After removing paint from an older home’s interior, improper disposal of the paint resulted in lead poisoning to the residents.

Outcome: Your Pollution Liability Insurance policy would cover the $230,000 lawsuit for bodily injuries.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.