Painters Insurance in New Jersey
Coverage for residential and commercial painting projects across the Garden State.
Whether you specialize in interior finishes, exterior repainting, or large commercial work, painting comes with real risks—from ladder accidents to overspray damage. Keller Insurance helps New Jersey painting contractors protect their businesses with coverage that keeps you compliant, confident, and ready for every job.
Insurance Options for Painting Contractors
Painting work involves physical labor, valuable equipment, and constant exposure to liability. The right insurance plan protects your business, tools, and employees against the unexpected.
General Liability Insurance
Essential for painters working in homes and offices. Covers property damage and injury claims, such as paint spills, ladder falls, or damage to a client’s furniture or flooring.
Workers’ Compensation
Protects you and your crew in case of on-the-job injuries. Covers medical care, lost wages, and rehabilitation for falls, chemical exposure, or repetitive strain injuries.
Property (Tools & Equipment) Insurance
Covers sprayers, ladders, compressors, and other painting equipment against theft, vandalism, or damage at your shop, in your vehicle, or on-site.
Commercial Auto Insurance
If your business uses vans or trucks to haul supplies, this coverage protects against accidents, property damage, and liability claims.
Contractor’s E&O Insurance
Also known as professional liability. Protects you if a client claims your work or advice led to financial loss, such as damage caused by improper product use or poor surface prep.
Why Insurance Is Critical for Painters
Painting may seem low-risk, but a single accident can be costly. From spilled paint on luxury flooring to injuries on scaffolding, insurance helps safeguard your business, reputation, and client relationships.
Who Needs Painter’s Insurance
Independent painters, small crews, and large contracting businesses all benefit from coverage. Whether you handle residential interiors or commercial exteriors, insurance ensures you’re covered on every project.
Why Choose Keller Insurance
Keller Insurance has decades of experience insuring New Jersey trades. We understand the daily risks painting contractors face and offer policies designed to meet client requirements and protect your bottom line.
FAQs
Is liability insurance required for painters in NJ?
Yes, most commercial and residential clients require proof of liability coverage before work begins.
Can I insure my painting tools and sprayers?
Yes, tools and equipment insurance protects your gear against theft and damage on-site or in transit.
Do I need workers’ comp if I hire subcontractors?
If you have employees or regular subs, workers’ comp is typically required by New Jersey law.
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