Painters Insurance in New Hampshire

Also providing painters insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is painters insurance? 

Painting can be profitable work but comes with some risks, including both liability and property risks. Painters insurance can help New Hampshire painters protect themselves and their businesses from a variety of risks.

Painters insurance provides tailor-made coverage for professional painters. Policies usually bundle multiple coverages together, and painters can often customize which coverages they get.

Who in New Hampshire should carry painting insurance?

Most professional painters in New Hampshire should consider painting insurance. Residential painters, commercial painters, self-employed painters and people painting as a side hustle may get a policy.

In some cases, contractors and nonprofits might want painting coverages too. These organizations usually find that a broader insurance policy, which includes painting coverages and other protections, is better suited for them however.

What insurance coverages should painters look for?

Painting insurance policies can offer a variety of coverages. Some common ones that painters may want include:

• Commercial Property Coverage: Normally covers a painter’s building if they own one. Also, often covers painting supplies and paint that’s in inventory.
• Commercial Vehicle Coverage: Normally covers a painter’s truck or van. Is generally required by state law if using a commercial vehicle.
• Business Income Coverage: Normally covers extended revenue losses resulting from specific covered disasters.
• General Liability Coverage: Normally covers routine accidents leading to others’ injuries or property damage.
• Professional Liability Coverage: Normally covers errors or mistakes in work that lead to property damage.

Should painters carry workers compensation?

Workers compensation provides protection against covered workplace injuries and illnesses that employees could suffer. New Hampshire law generally requires that employers carry this, so their employees are covered.

Painters who have employees usually need to get workers compensation. Those who are self-employed or hire independent contractors, however, likely don’t need the coverage.

An experienced insurance agent can help painters determine whether they need to carry workers compensation. The agent can assist with securing the coverage if it’s needed.

Can a painters policy cover both residential and commercial painting?

Policies that cover both residential and commercial painting are readily available. Painters shouldn’t have trouble finding a policy regardless of whether they serve residential customers, commercial customers or both.

What’s an additional insured in a painters policy?

An additional insured is another party that may file a claim against an insurance policy.

In the case of a painters policy, a subcontractor might be listed as an additional insured. This would probably allow them to file a claim against the insured painting business’s policy if something happened.

Sometimes subcontracting painters will be listed as an additional insured on a contractor’s insurance policy. Subcontractors who regularly work with the same general contractor may want to discuss this option with the contractor.

Can painters suspend their insurance if not working year-round?

Painters who only work part of the year might not want to carry a full insurance policy year-round. Exterior painters who don’t work during winter, college students who only paint on summer breaks, and others who paint part of the year might want to suspend coverage for a period of time.

Any painters who are interested in adjusting coverages for part of the year should work with an insurance agent who specializes in painters policies. 

Simply canceling coverage and reapplying later usually isn’t recommended, as this can lead to coverage gaps and higher future premiums. Instead, a knowledgeable agent can look at seasonal policies, or adjusting coverages for part of the year. These tend to be better ways to stay protected while saving some on premiums.

How much does painting insurance cost?

The premiums charged for painting insurance are based on many factors, and thus vary from one policy to the next. A painter’s location, services offered, specialized equipment (if any), recent claims history and chosen coverages are just some of the details that can affect cost.

Painters can get customized quotes from several insurance companies by working with an independent insurance agent. This is usually the easiest way to find out how much a customized policy will be.

How can professional painters get painters insurance?

For help finding painters insurance in New Hampshire, contact the independent insurance agents at Insurance24. We’ll help you find a policy that fits your coverage needs and available budget well.