15 Best Painter Business Insurance in the USA

For professional painters, whether working on residential or commercial projects, having the right insurance is crucial. It not only protects against liabilities and potential accidents but also provides peace of mind to both the contractor and the client. This article lists the 15 best insurance providers in the USA that offer comprehensive and affordable coverage tailored for painting businesses.


1. The Hartford

The Hartford is well-regarded for offering robust business insurance that includes general liability, commercial property, and workers’ compensation, all essential for painters.


2. Travelers

Travelers provides tailored insurance solutions for contractors, including painters. Their coverage includes general liability, workers’ compensation, and commercial auto insurance, designed to meet the specific needs of the trade.


3. Nationwide

Nationwide’s Business Owner’s Policy (BOP) combines business property and liability insurance into one convenient package, making it an excellent choice for small to medium-sized painting companies.

4. Liberty Mutual

Liberty Mutual offers customized coverage that can include general liability, commercial auto, and property insurance, all of which are important for painters dealing with various job sites and conditions.


5. Hiscox

Hiscox specializes in small business insurance and offers policies that are ideal for independent painters or small painting firms, providing flexibility and competitive pricing.

6. CNA

CNA provides a comprehensive range of coverage options that cater specifically to contractors, including painters. Their policies cover everything from liability to equipment breakdown.

7. State Farm

State Farm delivers personalized service through its extensive agent network, providing business insurance packages that cover liability, commercial auto, and more, tailored for painters.

8. Chubb

Chubb’s custom insurance solutions are suitable for larger painting operations that require sophisticated coverage, including liability and workers’ compensation.

9. Farmers Insurance

Farmers offers specific policies for contractors, including painters. Their coverage includes equipment and tool insurance, which is critical for painters who use expensive sprayers and other gear.

10. AXA

AXA provides robust contractor insurance with global expertise, making it a good option for painting companies that also handle projects abroad or large-scale domestic projects.

11. AmTrust Financial

Known for their small business focus, AmTrust offers painter-specific coverage that includes liability insurance designed to protect against client and third-party claims.

12. Berkshire Hathaway GUARD

Berkshire Hathaway GUARD offers comprehensive insurance solutions including a Businessowner’s Policy (BOP) that is tailored for the needs of painting contractors.

13. Acuity

Acuity stands out for its focus on specific contractor niches, including painters. They offer detailed coverage that includes liability, property, and auto, with an emphasis on safety and risk reduction.

14. Progressive Commercial

Progressive Commercial provides excellent commercial auto insurance, which is essential for painting businesses that use vehicles to transport supplies and staff.

15. Zurich

Zurich is another great choice for large painting contractors needing more complex insurance solutions. They offer a broad range of contractor-specific policies that include professional liability and environmental liability.


Choosing the right insurance provider is crucial for painting contractors aiming to protect their business from unforeseen events and liabilities. Each of these companies offers unique benefits, from extensive coverage options to tailored policies that meet the specific needs of painters. It’s important for business owners to assess their specific risks and consult with insurance experts to ensure they choose the best possible coverage to keep their operations smooth and secure.