Painters Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

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 coverage’s together. This lets the policies provide a robust network of protection.

Sole proprietors who paint full- or part-time
Businesses that provide commercial or residential painting services
Businesses that paint and do other types of work

General Liability Coverage
Professional Liability Coverage
Commercial Property Coverage

What is Painters Insurance?

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.

What Massachusetts Businesses Need Painting Insurance?

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:

Sole proprietors who paint full- or part-time
Businesses that provide commercial or residential painting services
Businesses that paint and do other types of work
Nonprofits that offer free residential painting to low-income homeowners

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.

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When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
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Mark Anderson

Marketing Director
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Mark Anderson

Marketing Director

What Protections Do Painting Insurance Policies Make Available?

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:

General Liability Coverage, which may extend protection to common accidents and some liability claims
Professional Liability Coverage, which may extend protection to claims arising from work-related errors
Commercial Property Coverage, which may extend protection to a business’ building and equipment
Commercial Vehicle Coverage, which may extend protection to company-owned vehicles
Business Interruption Coverage, which may extend protection to certain revenue losses that follow a disaster

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.

Do Painters Who Drive Personal Vehicles for Work Need Commercial Vehicle Coverage?

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.

What is a Certificate of Insurance?

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.

How Can Painting Businesses in Massachusetts Get Painters Insurance?

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.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.