Painters and Painting Contractors insurance in Florida – FL – policies and cost

Painters and Painting Contractors insurance in Florida – FL – is an important type of insurance to have for any company who conducts business offering their services to Florida bodies for painting and decorating.

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A painter that is contracting the public is open to many different kinds of risks every time he or she opens a can and dips a brush.

If you’re an individual contractor, you should buy painter liability insurance, and here’s why! 

What actions do painting contractors do in Florida? 

First, a house painter should not to be mistaken for an interior decorator.

The latter usually has some type of training or certification, and so they need to buy their own liability insurance in Florida.

A painter in Florida is likely to be self-trained and to earn less than the average designer in FL.

For some painters, it’s part of their day-to-day activity to sell paint to the general public for use on public buildings and so they need Small Business insurance in Florida to cover all possible risks.

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What coaching do painting contractors need?

Painters usually learn on the job how to prepare surfaces and the other such essential skills.

In many states, painters may have to complete additional safety training when they work with scaffolding.

In some states, apprenticeships may be offered for candidates who have a high school diploma combining paid work before becoming self-employed.

What certifications are there for specialized work?

For high-tech painting, you can apply for specialized certifications from NACE International Institute, the Society for Protective Coatings or the U.S. Environmental Protection Agency which provides certification for lead paint abatement.

After gaining experience, apprentices working for large companies can be promoted to superintendents or start their own business.

General statistics

About 4.5% of the total labor force in Florida was engaged in painting and decorating in 2020.

What are the common forms of paint contractors’ insurance policy types in Florida? 

General liability insurance for painters

Protection against general claims stemming from bodily injuries and property damage caused by your business is provided by general liability insurance.

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The average general liability policy for painters in Florida would be with a boundary of $1 million for a single event and a total of $2 million for the whole year.

Professional liability insurance for painters

painters or decorators Almost all in Florida should have a minimum of at least $10000, and most choose much more when their own type of business warrants it.

In most cases, the insurance companies allow a discount to include a deductible of a few hundred dollars, to stop the nuisance of frivolous claims.

Product liability insurance for painters

The recommended level of cover in Florida is dependant on the range of places that you decorate as well as the value of sales.

Commercial vehicle insurance for painters

If you are doing your own deliveries with van, then you must have a specific policy giving you commercial vehicle insurance in Florida for the vehicle, the driver and the contents.

Remember that if you supply the coatings that you will be applying, then once the cans leave your premises in FL on the way to your building site, your standard insurance stops cover. 

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Commercial insurance for painters

You are already investing a large share of your money tied up in the business. Apart from the stock of raw material there’s a large investment in your tools and equipment, scaffolding etc.

Commercial insurance in Florida is especially designed to take into account the dangers that can end up losing your money.

Property insurance for painters

Florida carries special risks when it comes to buildings, and any business must take out the necessary cover to protect property and contents. 

As well, the possibility of storms is increasing because of climate change, so every paintshop owner should take care to get all the cover necessary to cover even the most remote possibility.

Business Income insurance for painters

There have been cycles in Florida that have hit the contractor painting sector businesses hard.

Getting proper insurance is advantageous and it’s necessary to have it in place before such a calamity occurs, rather than to expect that you can never be hurt.

Average costs of these types of insurance in FL

Although every contractor is unique, there are enough examples of average quotes from insurance companies in Florida for us to give rough guidelines.

Of course, you should always check with an agent of what’s relevant for your business.

The below list is for annual premiums for the main types of insurance retailers need in Florida.

Types of insurance Price range
Property insurance $443 – $1224
Public liability insurance $363 – $649
General liability insurance $265 – $808
Business income insurance $329 – $1434
Commercial vehicle insurance $1798 – $2996
Commercial insurance $843 – $2416

The Cost of insurance in Florida depends on many different factors

We have estimated these figures for small self-employed paint contracting businesses in Florida. The location and size and type of your business in can have a big effect on the cost of different policies.

For Example – a paint depot with a big inventory of painting supplies has a much different risk from fire compared to a sub-contractor working for homeowners and doing minor repair and touch-up jobs in suburban dwellings in FL, so the costs of the insurance will be very different.

FAQ section:

Why do you need business insurance in Florida?

Due to local regulations, there is a small business requirement in Florida that almost all painting and paint contractor businesses will have to have at least some insurance, covering general liabilities because they are dealing with the public.

Depending on the local ordinances to register with a business license in Florida, there may be stipulations for the levels of insurance in order to qualify to be granted to undertake contracting work for the government and local authority bodies. In some cases, painters and paint contractors cannot get work from the government bodies without a license. You can read about more information about painter license in Florida – this is general and covers only the states that do have licensing.

Remember, insurance is especially designed to take into account the dangers in Florida that can end up in a dispute that can cost you a lot of money.

Are there other self-employed people like painters who are insured?

General liability insurance is an essential type of insurance coverage for anyone involved in business operations that provide specialized labor and material services to their customers.

Painters carry very similar risks to roofing contractors in Florida, because of the need to be standing on ladders and scaffolds.

These higher risks of accidents happening to passers-by, and ought to be covered by general liability insurance.

Many other general service providers, such as solar panel installers, plumbers, handymen in Florida, glaziers are also subject to such risks in the workplace, and take out the proper insurance.

Where to find the right insurance?

The best way to find the right, and most affordable painters insurance in Florida, is to talk to qualified insurance agents or brokers that can advise you on your best options. You can also use local Better Business Bureau offices and local newspapers.

And of course, there’s always internet searches that will point you in the right direction
Most independent brokers and agents work six days a week, with the following opening times.

Opening Hours:
Monday – 8:00 AM – 6:30 PM
Thursday – 8:00 AM – 6:30 PM
Wednesday – 8:00 AM – 6:30 PM
Thursday – 8:00 AM – 6:30 PM
Friday – 8:00 AM – 6:30 PM
Saturday – 7:00 AM – 1:30 PM