Protections Paint Contractors Should Get Out of Contractor Liability Insurance

Insurance Blog

If you work as a paint contractor, you perform a lot of important duties for clients involving paint. There are risks involved, especially the higher up you are and the longer your jobs last. Still, if you get contractor liability coverage that protects against these things, you'll be just fine when negative events surface.

Tool Damage 

You may be working on a client's home and then have some of your paint gear get damaged. It may be because of the weather or other contractors were not watching where they were walking. You can get contractor liability insurance that provides tool damage protection.

Whether it's your paint brushes or automated spray tools that get damaged, repairing and replacing them won't cost you a lot of money. If you file a claim with the right amount of evidence, this damage won't be stressful to deal with. 

Building Damage

If your paint business has a building that it operates out of, then there are major risks you have to prepare for. You can circumvent shelling out a lot of money when things go wrong with your building if you get contractor liability insurance that offers property coverage.

It can help pay for things like roofing damage after storms, vandalism, and other problems caused by the weather. Again, you'll have to submit a claim with your insurance provider and have an adjuster come out to look at the damage that has taken place for an accurate estimate. 

Paint Installation Damage

When you paint a client's home, sometimes damage can happen during installation. You may press too hard on a fragile portion of a wall or use paint tools improperly around integral structures. You won't be walking on eggshells so to speak when you get liability insurance that offers paint installation protection.

If property damage happens around a client's home that you're working around when installing paint, this damage won't come out of your wallet. Instead, the policy can take care of these costs. Just make sure you get enough coverage to pay for most of, if not all damage that can happen during paint installation.

Working as a paint contractor can come with risks just like other professions that involve a lot of technical equipment and hazards. If you end up getting liability insurance in the beginning that covers the right things, you'll be able to do your job a lot more effectively for each client that's served. 

For more information on contractor liability insurance, contact an insurance agent in Boston, MA.


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