Because of their specific work conditions, painters are vulnerable to hazards such as falls, eye injuries, mildew, bacteria, and paint toxins. As a result of these risks, third-party claims for damages may be made. For these reasons alone, purchasing liability insurance might help painters and painting contractors

Read on to discover what painting contractors can get from liability insurance today.

Liability Insurance Safeguards Business Assets

Painters incur the danger of inadvertently or intentionally inflicting damage on their customers’ property. 

If a painter causes damage to a wall by using paint that is not appropriate for the surface, the customer may opt to sue your company. If a painter gets paint on a visitor’s fine dress by accident, the visitor may sue the painter. If you do not have contractors’ liability insurance, you may be obliged to liquidate your firm’s assets in order to pay for claims and legal representation fees if you do not have enough money. 

The assets of your company may be susceptible to a court-ordered sale. This will harm your organization’s assets and finances, potentially leading to the failure of your business. These expenses may be covered by the contractors’ liability insurance, so preserving your company’s assets.

Liability Insurance Protects Personal Assets

According to the Corporate Finance Institute (CFI), limited liability firms shield people’s personal assets and finances from being auctioned off or sued by third parties. Unfortunately, operating a painting business as a sole proprietor jeopardizes both your personal assets and your cash. 

If your company is unable to pay its obligations and legal bills, creditors may attempt to take and sell any personal assets you own. If you have liability insurance for painters, your personal items are protected from seizure.

Liability Insurance Protects Employees and Staff

If one of your employees causes them serious harm or damages their property, a third party may initiate a lawsuit against your organization. If one of your painters is killed in a car accident while driving a company vehicle to a job site, you may be held liable for the deceased painter’s burial costs as well as the deceased painter’s family’s financial support(s). You could be sued and sentenced to prison if the accident was investigated and found to be your fault. 

Such incidents might be averted by acquiring commercial liability insurance. Certain risks, hazards, perils, and situations are not covered by general liability insurance. A separate business auto insurance coverage is required for fleet vehicles.

Liability Insurance Paves the Way for Job Opportunities

According to the National Federation of Independent Businesses (NFIB), workers’ compensation is not necessary for independent contractors. In effect, you won’t have to worry about supplying workers’ compensation if you hire independent painters. On the other hand, customers prefer contractors with enough employee insurance; as a result, having insured employees may increase employment opportunities. 

Subcontractors are your employees, even if you don’t have direct authority over them. They could be protected by acquiring independent contractor liability insurance.


Because of the nature of their work, painting contractors are required to obtain liability insurance. Furthermore, obtaining liability insurance may make it easier for painters to acquire new tasks. 

Get in touch with the specialists as soon as possible to obtain the convenient building insurance services that you and your team may need. This way, you protect all parties from the risks involved in construction and painting projects.

Are you in need of general liability insurance in Philadelphia? Pascal Burke Insurance Brokerage Inc. is a professional team that is dedicated to putting you and your employees first. Get a FREE quote from us today!