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ContractorsSIC 1731

Painter Insurance in California

Commercial insurance for interior and exterior painting contractors for residential and commercial properties.

Painter Insurance - Travelers commercial insurance coverage

Common Risks & Exposures for Painter

  • Overspray damage to vehicles or adjacent property
  • Ladder and scaffold falls
  • Solvent and fume exposure
  • Paint spills on client flooring or furnishings
Painter Insurance on the job

Coverage Options for Painter

Painters are a core Travelers BOP appetite. Spray painting operations and industrial coatings may require referral.

General Liability

Protects against third-party claims of bodily injury, property damage, and advertising injury arising from your operations — the foundation of most commercial policies.

Business Owners Policy

Bundles general liability and commercial property into a single, typically lower-cost policy for smaller and mid-sized operations.

Workers Compensation

Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.

Commercial Auto

Covers owned, leased, or hired vehicles used for business purposes, including liability and physical damage from accidents.

Licensing, Certificates & Contract Requirements

Active CSLB (Contractors State License Board) license number and classification matched to work performed
Certificate of Insurance (COI) naming general contractors or property owners as additional insured, often required before work begins
Primary and non-contributory wording, and waiver of subrogation, frequently required in subcontract agreements
Proof of workers compensation coverage for any employees, per California labor law
Review of indemnification and hold-harmless clauses in construction contracts before signing

What Underwriters Ask About Painter

These are the main quote factors Travelers underwriters typically review for this class:

  • Residential vs commercial breakdown
  • Spray painting operations?
  • Lead paint exposure?
  • Annual payroll

Have an Expiring Policy or Loss Runs?

Upload your current declarations page, loss runs, or CSLB/license documentation with your quote request and we'll factor them into your painter quote — often speeding up turnaround time.

Frequently Asked Questions

Related Contractors Classes

Electrician InsuranceHVAC Contractor InsurancePlumber InsuranceLandscaper InsuranceJanitorial & Cleaning InsuranceDrywall Contractor Insurance

Get a Painter Insurance Quote

Tell us about your business and Casurance can help you review Travelers coverage options for painter.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage.

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Casurance Insurance Agency is an independent insurance agency. This website is not owned or operated by Travelers. Travelers and the Travelers umbrella logo are registered trademarks of The Travelers Indemnity Company. Coverage availability, pricing, eligibility, and terms are subject to underwriting approval, policy provisions, and state availability.