Painting Business Insurance In Salt Lake City
Paint spills, overspray, stolen tools, or job-site injuries can quickly turn into expensive problems. Anderson Insurance Group offers customized painter insurance to protect your business from these risks, letting you focus on your craft not unexpected costs.
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.
Commercial Property Insurance
Tools and Equipment
General Liability
Workers' Compensation
Commercial Auto
Contractors’ E&O - Errors and Omissions Insurance
Anderson Insurance Group offers Painter Insurance Coverage through: Acuity Insurance, Auto-Owners, Cincinnati Insurance, and United Insurance Group.
Core Coverages for Painters Contractors
Commercial Property Insurance
Commercial Property Insurance is essential for painting businesses that store materials, equipment, or supplies in warehouses, shops, offices, or storage units, offering full protection against major losses. 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.
Tools & Equipment Coverage
Your tools and equipment paint sprayers, compressors, ladders, scaffolding, brushes, and more—are the backbone of your painting business. This policy provides reimbursement for stolen tools, damaged equipment, or gear destroyed by fire, water, or accidents, ensuring your painting operations never face costly downtime. 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 protects your painting business when something goes wrong—like spilling paint on a customer’s hardwood floors, scratching a vehicle, or a client tripping over your equipment.
This policy helps cover the cost of repairs, medical expenses, and legal fees, so a single mistake doesn’t drain your profits. Most Utah property managers, general contractors, and homeowners require proof of General Liability Insurance before allowing painters to begin work, making this coverage essential for compliance and for winning new contracts. It not only fulfills those requirements but also enhances your professional credibility, showing clients you take responsibility seriously. General Liability Insurance | Anderson Insurance Group
Workers’ Compensation
Painting work often means long hours on ladders, exposure to chemicals, and heavy lifting. 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
Contractors Errors & Omissions (E&O)
Even professionals make mistakes. 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
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.
Why Painters in Utah Need Business Insurance
Financial Protection: Even a minor paint spill, workplace injury, or stolen tool can result in major financial setbacks. With the proper insurance, your business stays protected, and you can recover without risking your income.
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: Work confidently knowing your business, your employees, and your reputation are fully protected.