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Edmonton Painting Contractor’s Insurance

As a painting contractor, insurance is essential for protecting you against the unique risks associated with your trade. Protect yourself from potential liabilities such as third-party injuries and property damage due to spills, falls or other risks. Don’t let a mistake or accident derail your business, let us make sure you have the insurance coverage you need.

Proper insurance coverage is vital in the painting industry

Too often, insurance providers offer standard, packaged solutions they assume will work for all painters. Our specialists in construction risk will work with you to review your portfolio, identify any associated exposures and draw up a custom solution that’s suited to your unique needs. Whether you are a tradesperson working alone, a large construction firm or an independent engineer/architect, our over 30 years of in-depth experience in working with the painting industry have given us the unique expertise to craft coverage that’s specific to you and your business.

Why do I need Painter’s Insurance?

  • Protection for property, tool, supply and equipment losses due to fire, vandalism, theft and more
  • Protection for equipment breakdowns
  • Protection for liability losses due to injury or third-party property damage
  • Protection for errors and omissions
  • Protection for loss of income due to business interruption and more
  • Protection for automobile losses due to accidents and vandalism
  • Protection for cyber losses due to data loss, credit card breach and other digital threats

Painting Contractor’s face unique risks

As a painter the risks you face are unique to you and your insurance should reflect that. Painting Contractor’s Insurance will provide coverage for anything from falls and spills to broken or damaged property. We will consider flammable substances and fumes or vapours as well as potential falling objects.

Property Exposures:
  • Any exterior painting could have an over spray exposure which may damage surrounding premises, vehicles, or structures. Any exterior spray painting or sandblasting operations expose you to several risks.
Inland Marine Exposures:
  • These include equipment and the transport of paint. There may be rental, leasing or borrowing of equipment which requires coverage.
  • The transport of barrels of paint presents unique risks.
Occupier’s Liability
  • Any time interior work is done ventilation is a very high concern to clients, passers-by, and the contractor’s workers. Fumes can cause severe bodily injury.
  • Environmental concerns are also very high from the disposal of waste paints, solvents, and chemicals.
  • If there will be removal of old paint or coverings this may involve scraping, chemical applications, or sandblasting. All have potentially high premises damage exposures. Also, the paint to be removed may be lead based and require special procedures to clean up and dispose of chips and the solvents used to remove lead. Lead contamination has liability, environmental, and workers compensation related hazards that need review and evaluation.
Workplace Safety Exposure
  • Workplace safety exposure can be high. There are exposures to fumes and to above ground work on ladders and scaffolds which can cause serious injuries.
Automobile Exposures
  • Automobile exposures depend on the type and use of vehicles, and radius of operation. If your vehicle travels to job sites or carries supplies for your business you will require commercial coverage.

Painting Contractors we cover include:

  • Self-Employed Painters
  • Commercial Painters
  • Home/Residential Painters
  • Interior & Exterior Painters
  • Property Management Companies

What types of Business Insurance do I need?

There are many types of insurance policies that our experts can advise you on and package to meet your specific needs, such as:

  • Commercial General Liability
  • Commercial Property Insurance
  • Business Interruption Insurance
  • Pollution Liability Insurance
  • Professional Liability Insurance
  • Product Liability Insurance
  • Equipment Breakdown Insurance
  • Commercial Auto Insurance
  • Cyber Insurance