I’m a painter, do I need insurance?

I’m a painter, do I need insurance? People tend to move more from April to June. House painters know this because it’s when they have the highest demand for their work. However, Roberto complains that he has been called to do four jobs in condominiums and couldn’t accept them because he lacks painter’s insurance.

“Why do I need painter’s insurance?” he angrily asks. “The important thing is to paint well, and I’m the King of the Brush. I’m still waiting; they will call me whenever they see me paint. You’ll see.”

What Roberto doesn’t know is that if he obtains painter’s insurance, the contracts will start pouring in. He himself has witnessed that many neighborhood associations don’t allow work without having insurance for the specific job.

The fact is that we live in a country where legal claims are abundant, and although Roberto may not believe it, painters are exposed to significant liability claims.

A painter who, in the course of their work, has to remove an old lead-based paint layer can be sued if the client believes they didn’t do it properly. Imagine if someone slips in the house due to a small paint spill, or if a few drops of solvent damage the wooden floor. What if, while removing a switch, a short circuit occurs and damages an appliance, or while moving furniture, it breaks or an expensive vase falls and shatters? What if, while climbing the ladder to the work area, the elevator’s glass breaks?

Well, all those examples and more are covered by painter’s insurance, which can be tailored to your business at Univista Insurance.

If you’re a painter, don’t sit around waiting like Roberto. Get your insurance and take advantage of the upcoming season. I’m a painter, do I need insurance?

Call us today for a full qualification! 305-728-2088. You can also quote for free here.