Painting professionally can be a financially and personally rewarding line of work, but it’s one that comes with certain potential risks. Painters insurance policies help professional painters in Massachusetts shield themselves from many of the perils they face.
Painters insurance is a specialized type of commercial insurance that’s intended to meet the needs of professional painters and their businesses. In most cases, policies are drafted as package policies that combine several coverages together. This lets the policies provide a robust network of protection.
The majority of Massachusetts businesses that provide painting services ought to carry painting insurance, for few businesses are without risk and this generally is the best way to insure against the risks that come with painting.
Some specific businesses that could likely benefit from having a painting policy include:
In certain cases, individuals and businesses who don’t have insurance may be unable to secure certain jobs. Many homeowners will only hire contractors (including painters) who are insured, and lots of businesses also require contractors to have insurance.
While the exact protections that painting insurance policies offer occasionally vary, there are several coverages that are broadly available through these policies. For example, policies frequently offer the following as standard or optional protections:
Businesses usually can adjust the exact coverages included in their painting insurance policy to suit their situation. An insurance agent who’s familiar with this type of insurance can assist with coverage selection.
In situations where a personally registered vehicle is driven for both personal and work use, whether commercial vehicle coverage is necessary depends on the exact way the vehicle is used and the precise language of the owner’s insurance policy. Painters who drive their personal vehicles for work purposes should seek the expertise of a knowledgeable insurance agent to determine whether they need commercial vehicle coverage or are sufficiently protected with their personal auto policy.
When a homeowner or business wants to make sure a painter is insured prior to hiring them, the potential customer might ask to see a certificate of insurance. This is an official document that normally serves as evidence that a business has insurance. Insurance companies typically issue a certificate when a policy is purchased, and an insurance agent can help obtain another copy if an additional one is required.
For help insuring yourself as a painter or your painting business, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents are able to show you quotes for painters insurance from multiple insurers in Massachusetts, and they can help you select the best available policy options. With our team’s help, you can be confident that you and your business are well protected.