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New customer to Sun Coast? You are in the right place. Select a product below to get started.
Painting looks straightforward from the outside, but the liability exposure is significant. Interior painters work with solvents, primers, and paints that can damage flooring, furniture, and fixtures if misapplied or spilled. Spray painting in particular creates overspray exposure that can damage vehicles, neighboring properties, and surfaces that were never meant to be painted.
Beyond the job site, your vehicles carry equipment and crew between projects, and your tools represent a meaningful investment that can be lost to theft from a job site or vehicle.
May cover third-party bodily injury and property damage claims arising from your work. If you accidentally damage a customer's flooring, furniture, or neighboring property during a paint job, general liability coverage may help cover the cost of repair or replacement. It may also help cover legal costs if you're sued.
If you use vans, trucks, or other vehicles to transport crew, equipment, and materials between job sites, those vehicles require commercial auto coverage. Personal auto policies typically do not cover vehicles used for business purposes. Commercial auto coverage may help pay for accidents, vehicle damage, and third-party liability involving your work vehicles.
Painting work carries real physical risk — chemical exposure, repetitive motion injuries, and heat-related illness on exterior jobs are all concerns. Workers' compensation coverage may help pay for medical costs and lost wages if an employee is injured on the job. Requirements vary by state.
May cover spray equipment, compressors, and other tools against theft or damage. Tools stolen from a job site or a work vehicle are a common loss for painting contractors, and this coverage may help replace them without a significant out-of-pocket cost.
A BOP bundles general liability and commercial property coverage. For painting contractors with a shop, storage unit, or office, a BOP may provide foundational business coverage in a single policy.
If a customer claims your work caused damage or was completed incorrectly — wrong color, poor finish, damage to surfaces — professional liability coverage may help cover the resulting dispute. This is distinct from general liability and specifically addresses claims of faulty workmanship.
Provides additional liability coverage above your underlying policy limits. For contractors working on high-value commercial or residential properties, umbrella coverage may be worth discussing.
