Kinro

Built for U.S. small businesses

Business insurance for painters.

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Takes about 2 minutes · No commitment required

Support from licensed agents No obligation to buy
Painter rolling paint onto a wall

We work with 50+ companies to find the best match for you!

Progressive
GEICO
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Pie Insurance
Coterie
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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does painter insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

$50–$70/mo

General liability

$220–$260/mo

Workers compensation

$10–$20/mo

Tools and equipment

What insurance can help protect

Overspray and property damage

Paint, prep work, ladders, or equipment damage customer property.

Exterior work and height

Ladders, scaffolding, and exterior projects can change risk and carrier appetite.

Crew coverage

Employees or seasonal painters may trigger workers comp requirements.

Coverage to consider

General Liability

Helps with customer injury or property damage claims from painting operations.

Workers Compensation

Important when painters, helpers, or crews are on payroll.

Tools and Equipment

Can help with sprayers, ladders, and tools used away from your shop.

Commercial Auto

May be needed if vans or trucks are used to transport crews and supplies.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

painters questions?We have answers.

What insurance do painters usually need?
General liability is common. Workers comp, tools coverage, and commercial auto may also matter depending on crews and vehicles.
What is the best business insurance for painters?
The best painter insurance depends on whether the business does interior, exterior, residential, or commercial work, how high crews work, and whether employees, vehicles, or expensive equipment are involved.
Does height matter for painter insurance?
Yes. Exterior work, ladders, scaffolding, and height can affect underwriting questions and carrier fit.
Can Kinro help if a client asks for a COI?
Yes. Share the certificate request and Kinro can help route the next step.
What can change the price?
  • Interior versus exterior work and maximum working height
  • Payroll, employees, subcontractors, and annual revenue
  • Claims, location, limits, vehicles, and equipment values

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.

What insurance does a painter need?

Most painting businesses start with general liability for customer injury, overspray, or property damage, then add workers comp, tools and equipment, and commercial auto based on crews, ladders, vehicles, and job requirements.

  • Interior, exterior, residential, and commercial painting can create different underwriting questions.
  • Exterior work, ladders, scaffolding, and height can affect carrier appetite and what details Kinro needs to collect.
  • Seasonal crews, helpers, vans, sprayers, and ladders can make workers comp, auto, and tools coverage important.

When each coverage responds

When each painters coverage responds
CoverageUsually responds toReview it when
General liabilityCustomer injury, overspray, spills, and accidental damage to third-party property.You paint at customer locations or a contract asks for liability limits and a COI.
Workers compensationWork-related injuries affecting painters, helpers, and seasonal crews.You put painters on payroll or state rules require coverage for the crew.
Tools and equipmentSprayers, ladders, scaffolding, and mobile equipment away from a fixed location.Equipment is transported, stored in vehicles, or left at jobsites.
Commercial autoBusiness-owned vans or trucks used to move crews, paint, and equipment.The business owns work vehicles or schedules employees as drivers.

Official sources