Comprehensive Coverage for Your Trade
Tailored insurance solutions for painting contractors in Bergen County. From residential repaints to commercial coatings, we cover all painting professionals.
General Liability with painting classification
Workers Compensation for ladder work
Commercial Auto for work vehicles
Lead-safe certification coverage
Overspray and drift protection
Care, custody, and control coverage
Wind carrying paint to cars or adjacent property
RRP rule violations and lead exposure claims
Ladder and scaffolding accidents
Paint spills on carpets, floors, or furniture
Health claims from paint fumes or chemicals
Damage from pressure washing or sanding
Overspray and property damage coverage
RRP compliance and lead paint coverage
Vans, trucks, and equipment transport
Sprayers, lifts, and ladder coverage
Coverage for falls and repetitive injuries
Customer property while painting
Most GL policies cover overspray, but limits may apply. Spray painting operations need careful underwriting. Using overspray shields, checking weather conditions, and proper masking reduces claims and can lower premiums.
EPA RRP certification is required for pre-1978 homes. Lead liability coverage is essential as standard GL may exclude it. We offer specialized lead-safe coverage for certified firms following proper procedures.
Limiting spray work, avoiding oil-based paints when possible, proper ventilation procedures, drop cloth usage, and formal safety programs all help. Interior-only painters typically pay less than those doing exterior work.
Commercial work often requires higher limits and additional insured endorsements. Working in occupied buildings, using lifts, or industrial coatings may need specialized coverage. We match coverage to your actual work.
Protect your business with comprehensive insurance coverage