Insurance for Painting Contractors in Texas

Commercial General Liability Insurance

Commercial general liability insurance is a policy every business should have. It protects your brand against financial and legal burdens that could arise due to:

• Bodily injuries and deaths
• Advertising and personal injury
• Damage to other people’s property

Commercial Property Insurance

Even if your service is catered to other people’s property, protecting your office is important too. Even while no one is in the building, it’s possible for a fire or water damage to suddenly start. These disasters are known to leave destruction in their wake, and the cost of repairs and restoration work can get expensive. However, with commercial property insurance, the costs of damages or loss of the following structures and items are covered:

• Fixtures and furniture
• Equipment
• Inventory of goods
• Landscaping
• Building or structure
• Other people’s properties

Commercial Auto Insurance

Having a commercial vehicle helps move your business. However, your van or truck isn’t always safe on the road. It’s possible that the vehicle could meet the following scenarios while traveling to its destination:

• Vehicle collisions
• Non-collision damage (e.g. theft, vandalism, car fires, etc.)
• Collisions resulting in damage to other people’s property, bodily injury, and deaths
• Hit-and-run motorists

With commercial auto insurance, however, covering the cost of the following becomes simpler to complete:

• Damages and losses of personal and other people’s property
• Liabilities
• Injuries and deaths

With that said, you don’t have to worry about using your brand’s finances and you'll be back to work quicker.

Workers Compensation Insurance

If you have several painters working under you, workers compensation insurance ensures that they and their families’ lives are financially secure. Painting is dangerous work, especially when it comes to working on tall buildings. Giving your workers a sense of security will help them perform better and create a stronger employee-employer relationship at the same time.

Workers compensation provides the following benefits:

• Income benefits
• Medical benefits
• Death benefits
• Burial benefits
• Vocational rehabilitation benefits

Professional Liability

Since your business offers professional painting services, it’s good to have professional liability insurance. This policy will save your business from financial loss due to the following claims:

• Unable to provide services that were advertised or promised
• Committed negligence while painting
• Made mistakes while painting client’s properties