Insurance for Washington painting contractors.
Painting is usually one of the easier trades to insure, but overspray, ladders and lead paint can still lead to big claims. We help Washington painters carry the coverage L&I and their clients require at a fair price.
- Competitive rates for painters
- General liability and bonds together
- Sprayers, ladders and tools covered
What painting contractor insurance covers, in plain English
Coverage, limits and exclusions vary by carrier and policy. Your policy documents are what decide a claim, and we walk you through them before you buy.
Registration
Painting contractors register with L&I as specialty contractors. General liability of at least $200,000 public liability and $50,000 property damage, or a $250,000 combined single limit, plus a $15,000 bond.
Homes built before 1978
Paint jobs that disturb lead paint in pre-1978 homes and child-care facilities need lead-safe (RRP) certification. In Washington, the Department of Commerce runs the program. Many GL policies exclude lead claims.
Overspray
Spray paint drifting onto cars, roofs or neighbors' property is a common painting claim. Tell us if you spray, and how much exterior work you do.
What carriers ask
Interior vs. exterior, residential vs. commercial, maximum height, and whether you do industrial coatings or work on bridges and tanks.
Sprayers and ladders
Sprayers, ladders and scaffolding need a contractor's equipment policy. GL doesn't cover your own equipment.
Workers' comp and stop-gap
Workers' comp for employees comes from L&I. Many contracts also ask for employer's liability, which in Washington is stop-gap coverage.
Is this you?
- Interior and exterior painters
- Commercial painting contractors
- Cabinet refinishing and staining
- Pressure washing and deck staining
Why Rhino
- Competitive rates for painters
- General liability and bonds together
- Sprayers, ladders and tools covered
- Help in English, Russian and Ukrainian
Have this ready
- Share of interior and exterior work
- UBI and L&I registration or license number
- Annual revenue, payroll and subcontractor costs
- Any client or general contractor insurance requirements
Three steps, one agent
- 1
Tell us what you need
Use the form, call or text. It takes a couple of minutes.
- 2
We shop several carriers
You see real prices side by side, not one company's offer.
- 3
You're covered
Pick a plan and we handle the paperwork, ID cards and certificates.
Painting questions
Do I need lead certification to paint in Washington?
If you disturb paint in homes or child-care facilities built before 1978, yes. RRP certification is run by the Washington Department of Commerce.
Is overspray on a car covered?
Usually, under general liability, unless your policy excludes it. Some carriers limit spray work, so tell us if you spray.
Are lead paint claims covered?
Many GL policies exclude lead. If you work on older homes, ask us about your options before you start.
Does it cover my sprayer?
Not under GL. A tools and equipment policy covers sprayers, ladders and scaffolding.
Ready when you are.
Talk to a licensed agent at (800) 700-9181, Mon–Fri 9am–6pm PT.