Coverage for Pros, Crews & Independent Painters
A single mistake on a painting job such as overspray, paint spills, or accidental damage can lead to thousands of dollars in out-of-pocket costs for your business. At Anderson Insurance Group, we understand the everyday risks painters face. Overspray or spills damaging others property, stolen tools or equipment, and job-site injuries. That’s why we offer customized insurance for painting contractors, giving you the peace of mind to focus on your craft, not your coverage.
What Insurance Coverage Do Utah Painting Businesses Need?
Our painter insurance policies are flexible, scalable, and designed for every type of operation from independent contractors to multi-crew companies handling high-end commercial projects. You can customize your policy to match your workflow, tools, and clients.
Tools and Equipment
General Liability
Commercial Auto
Commercial Property Insurance
Contractors’ E&O - Errors and Omissions Insurance
Workers' Compensation
Anderson Insurance Group offers Painter Insurance Coverage through: Acuity Insurance, Auto-Owners, Cincinnati Insurance, and United Insurance Group.
Core Coverages for Painters Contractors
Tools & Equipment Coverage
Your tools are your livelihood. This coverage protects against theft or damage to your paint sprayers, brushes, scaffolds, and ladders whether on-site, in transit, or at your shop. You’re covered for:
Theft or vandalism at job sites or storage
Damage from fire, water, or accidents
Replacement cost for lost or broken tools
Transit protection while equipment is on the move
General Liability Insurance
Accidents can happen even on the most well-prepared job sites. General Liability Insurance provides essential protection for Utah painters by covering property damage, bodily injury, and accidental incidents that happen during painting projects, whether residential or commercial.
This policy helps cover the cost of repairs, medical expenses, and legal fees, so a single mistake doesn’t drain your profits. In Utah, many homeowners, builders, and property managers require proof of general liability coverage before allowing contractors to begin work. It not only fulfills those requirements but also enhances your professional credibility, showing clients you take responsibility seriously. General Liability Insurance | Anderson Insurance Group
Commercial Auto Insurance
Whether you operate a single van or a fleet of trucks, your vehicles are essential to your painting business. Commercial Auto Insurance covers them against collisions, theft, vandalism, fire, and liability while transporting paint, supplies, or crew members. Personal auto policies typically exclude business use, which means accidents involving your company vehicle could leave you uncovered. This policy ensures you’re protected every time your team is on the road from driving to a client’s site to hauling equipment across Salt Lake City or Provo.
Commercial Property Insurance
If you own or lease a physical location for your painting business, Commercial Property Insurance is essential. It covers your workspace, supplies, furniture, and materials against losses from fire, theft, vandalism, and natural disasters. Even if you work from home or store your supplies in a small facility, having this coverage ensures that your inventory and essential business assets are protected. Rebuilding or replacing property after an unexpected event can be costly this policy helps you recover faster and get back to work.
Contractors Errors & Omissions (E&O)
Even professionals make mistakes. If a client claims your paint job was incomplete, uneven, or caused property damage, E&O coverage pays for legal defense, attorney fees, settlements, and compensation when clients allege workmanship errors, missed deadlines, or financial losses due to your painting services. Your coverage can include:
Claims of negligence or professional error
Legal fees and settlements
Coverage for subcontractor mistakes
Defense against breach-of-contract claims
Workers’ Compensation
Painting crews face real job-site hazards including ladder falls, muscle strains, chemical exposure, and repetitive-motion injuries making Workers’ Compensation absolutely vital for Utah painting businesses. Workers’ Comp provides coverage for job-related injuries, helping your team recover safely while shielding your business from costly lawsuits. Additional benefits include:
Coverage for ongoing medical care
Disability benefits during recovery
Death benefits for families of fatal accidents
Legal protection for the employer
Why Painters in Utah Need Business Insurance
Licensing & Contract Compliance: Many clients, builders, and property managers require proof of liability and workers’ comp insurance before hiring painters especially for commercial or multi-unit projects.
Peace of Mind:With the right insurance, you can focus on delivering quality work while staying confident that your team, your income, and your brand are fully covered.
Financial Protection: A single paint spill, injury, or tool theft can lead to thousands in losses. The right insurance protects your income and helps your business recover fast.