Utah Painting Contractor Insurance
A single mistake like overspray, spills, or accidental damage can cost painters thousands. At Anderson Insurance Group, we know the everyday risks: property damage, tool theft, and job-site injuries. That’s why we provide tailored insurance for painting contractors, so you can focus on your work with total peace of mind.
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
Contractors’ E&O - Errors and Omissions Insurance
Commercial Property Insurance
General Liability
Workers' Compensation
Commercial Auto
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 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
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 insurance helps with legal defense, settlements, or compensation. Your coverage can include:
Claims of negligence or professional error
Legal fees and settlements
Coverage for subcontractor mistakes
Defense against breach-of-contract claims
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. 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
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
Short-term or long-term disability benefits that support injured workers financially while they recover and prepare to safely return to job-site duties.
Death benefits for families of fatal accidents
Legal protection for the employer
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 protects your painting vans, trucks, and work vehicles from collisions, theft, vandalism, fire damage, and liability claims crucial coverage for contractors who transport paint, ladders, tools, and crews across Utah. 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: 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.
Licensing & Contract Compliance: To qualify for high-value contracts, painters must provide valid liability and workers’ comp insurance. Many Utah property managers and general contractors require this documentation before allowing any work on-site.
Peace of Mind: Rest easy knowing your painting business is supported by coverage that keeps your workforce and your reputation protected on any job—large or small.