Insurance for Painting Contractors in Texas

As a painting contractor, you know that being careful and cautious is crucial in your work. Since you paint other people’s personal properties, you need to ensure that you won’t create any mistakes or damages while painting. However, no matter how skillful you are, there are those times when a painting accident could occur. If you find yourself in a tough situation, there's a high risk that your client (or employees) will take legal action for your faults.

Luckily, you can protect your brand with the right insurance coverage. At Quote Texas, we can create an insurance plan that’s tailored specifically to your business.

Quote Texas offers various insurance policies, but for painting contractors, we recommend getting the following:

Commercial General Liability Insurance

Commercial general liability insurance is a policy every business should have. It protects your brand against financial and legal burdens that could arise due to:

  • Bodily injuries and deaths
  • Advertising and personal injury
  • Damage to other people’s property

Commercial Property ­ Insurance

Even if your service is catered to other people’s property, protecting your office is important too. Even while no one is in the building, it’s possible for a fire or flood to suddenly start. These disasters are known to leave destruction in their wake, and the cost of repairs and restoration work can get expensive. However, with commercial property insurance, the costs of damages or loss of the following structures and items are covered:

  • Fixtures and furniture
  • Equipment
  • Inventory of goods
  • Landscaping
  • Building or structure
  • Other people’s properties

Commercial Auto Insurance

Having a commercial vehicle helps move your business. However, your van or truck isn’t always safe on the road. It’s possible that the vehicle could meet the following scenarios while traveling to its destination:

  • Vehicle collisions
  • Non-collision damage (e.g. theft, vandalism, car fires, etc.)
  • Collisions resulting in damage to other people’s property, bodily injury, and deaths
  • Hit-and-run motorists

With commercial auto insurance, however, covering the cost of the following becomes simpler to complete:

  • Damages and losses of personal and other people’s property
  • Liabilities
  • Injuries and deaths

With that said, you don’t have to worry about using your brand’s finances and you'll be back to work quicker.

Workers Compensation Insurance

If you have several painters working under you, workers compensation insurance ensures that they and their families’ lives are financially secure. Painting is dangerous work, especially when it comes to working on tall buildings. Giving your workers a sense of security will help them perform better and create a stronger employee-employer relationship at the same time.

Workers compensation provides the following benefits:

  • Income benefits
  • Medical benefits
  • Death benefits
  • Burial benefits
  • Vocational rehabilitation benefits

Professional Liability

Since your business offers professional painting services, it’s good to have professional liability insurance. This policy will save your business from financial loss due to the following claims:

  • Unable to provide services that were advertised or promised
  • Committed negligence while painting
  • Made mistakes while painting client’s properties

Call Quote Texas at 844-756-8684 if you wish to secure your brand with a comprehensive insurance plan. Our friendly agents will be more than happy to answer any of your questions and requests. Visit our contact Quote Texas page for more information on our policies. Quote Texas serves various industries and properties in Texas.