Commercial industry
Painting Contractor Insurance
Painting claims are overspray on a neighbor’s car, a finish failure blamed on prep, and a GC who wants completed-operations additional insured through the statute of repose. The file is contractor GL written for painting, a tools floater, auto, and a license bond.
We place commercial and mixed painters. Industrial coatings, lead, and sprayed-fireproofing need to be on the application — they change appetite. Washington crews stay with L&I; we add stop-gap and out-of-state WC.
Risks we actually schedule
- Overspray and drift onto vehicles, glass, and adjacent property.
- Completed-operations finish and prep-failure claims.
- Scaffold and ladder employee injury (L&I in WA).
- License-bond and additional-insured wording a GC will reject.
Frequently asked questions
Does GL automatically cover overspray?
Not always in a useful way. We look at the form and, when needed, an endorsement that addresses overspray rather than hoping the adjuster is generous.
We spray cabinets in a shop. Is that painting or manufacturing?
Shop spray is a premises and products story as well as contracting. Tell us the split of shop versus jobsite receipts.
Do you write painters who do lead work?
Sometimes, with the right disclosures. Undisclosed lead is how accounts get non-renewed.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsDrywall Contractor
Completed-operations GL, tools, and the dust-and-jobsite file for hanging and finishing crews.
Industry pageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageCarpenter
Finish and framing carpenters: GL, tools, a license bond, and the completed-operations file a handyman policy skips.
Industry pageOregon
Licensed commercial insurance broker serving Oregon.
State page