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You may not notice it, but the color of your walls contributes a lot to how you feel about a particular space. In fact, one of the simplest ways to brighten up a space is to paint it.
Painters make our visions come to life, as well as protect the integrity of our building materials. However, being a painter is not an easy job. If you’re a self-employed painter, you know that painting as a profession exposes you to unique risks. To protect your painting business, you need to have painter insurance.
This article will discuss everything you need to know about painter insurance and how you can benefit from it.
What is Painter Insurance?
Painters create and maintain a pristine image of our buildings and interior spaces. They use their craft to bring your vision to life, giving color and protection to an important space.
Painting may not be the most dangerous job in the world, but it does have its own risks. Painters regularly have to deal with a combination of heights, volatile chemicals, and other hazards that can’t be ignored.
Some of the most common risks that painters face include:
- Physical sickness due to toxic fumes emitted by some paints
- Accidental harm to an employee or a third-party while painting
- Accidental damage to customer’s property during the scope of the business
- Dissatisfied customers that may file lawsuits
When these things happen, you will be forced to spend out of pocket to take care of damages, medical fees, and settlement fees. This could be incredibly damaging to your business, especially if you don’t have a big budget or other financial safety nets in place.
Luckily, if you have self-employed painter insurance, you’ll have something to take care of the expenses when a covered situation occurs, making it especially critical to self-employed painters.
What Does Self Employed Painter Insurance Cover?
Self-employed painter insurance is a bundle of insurance policies specifically designed to protect sole proprietorship painting businesses.
The most common coverages include:
- General liability. Covers the costs of legal fees, medical bills, and more in case a third-party holds you liable for a covered incident.
- Commercial auto. Protects you from the financial costs of sudden repairs or replacement of your work vehicle.
- Tools and equipment. Covers the costs of unexpected replacement or repairs of your tools or equipment.
You can also talk to your provider about adding other coverages, including:
- Workers’ compensation
- Commercial property
- Business interruption
How Much Does Painter Insurance Cost?
Painter insurance premiums depend heavily on the nature of your own business, so it’s difficult to provide an accurate range.
However, some of the most common factors that can affect your premiums include:
- Specific policies
- Location
- Claims history
If you want the best protection for a price that you can afford, you can contact a trusted insurance agency, like Magnum Insurance.
Getting Painter Insurance With Magnum Insurance
Not only does your painting business brighten up other people’s lives, but it’s also an important source of livelihood.
Protect it as best as you can with the best insurance agents in town – Magnum Insurance!
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