What insurance does a painter business need? (2026)
Most painter operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for painter operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| Business activity |
|---|
| Bridge painting |
| Electrostatic painting, on-site, contractors |
| Engineering structure (e.g., oil storage tank, water tower) painting |
| House painting |
| Paint and wallpaper stripping |
| Painting and wallpapering |
| Painting (except roof) contractors |
| Paperhanging and removal contractors |
| Paperhanging or removal contractors |
| Rustproofing (except automotive) |
| Ship painting contractors |
| Wall covering or removal contractors |
| Wallpaper hanging and removal contractors |
| Wallpaper stripping |
| Whitewashing contractors |