Painters and Painting Contractors insurance in Kansas – KS – policies and cost

Painters and Painting Contractors insurance in Kansas – KS – is an important type of insurance to have for any individual who conducts business offering their services to the public for painting and decorating.

A painter that is contracting the public is subject to many different kinds of dangers 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! 

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What actions do painting contractors do in Kansas? 

First, a paint contractor should not to be mistaken for an interior decorator.

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

A painter in Kansas is likely to be self-trained and to earn less than the average interior decorator in KS.

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

Painters insurance Kansas

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What education do painting contractors need?

Painters usually learn on the job how to match colors and the other such vital skills.

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

In some states, apprenticeships may be available for candidates who have a high school diploma combining on-the-job training before becoming self-employed.

What certifications are there for specialized work?

For scientific painting, you can graduate with 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 supervisors or start their own business.

General statistics

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

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

General liability insurance for painters

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

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The average general liability policy for painters in Kansas would be with a upper limit of $1 million for a single submission and a total of $2 million for the whole year.

Professional liability insurance for painters

painters or decorators Almost all in Kansas should have a cover level of at least $10000, and usually choose much more when their own kind 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 ideal level of cover in Kansas is worked out on the scope of premises that you upgrade as well as the level of sales.

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Commercial vehicle insurance for painters

If you are doing your own issuing with truck, then you need a specific policy giving you commercial vehicle insurance in Kansas for the vehicle, the driver and the contents.

Remember that if you supply the decorations that you will be applying, then as soon as the cans leave your premises in KS on the way to your workplace, your standard insurance stops cover. 

Commercial insurance for painters

You are already committing a big 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 Kansas is especially designed to take into account the occurrences that can end up losing your money.

Property insurance for painters

Kansas carries special risks when it comes to buildings, and every business must take out the appropriate cover to protect property and contents. 

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

Business Income insurance for painters

There have been events in Kansas that have hit the contractor painting sector businesses hard.

Getting proper protection is advantageous and it’s required 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 KS

Although every decorator is unique, there are enough examples of standard quotes from insurance companies in Kansas 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 Kansas.

Types of insurance Price range
Commercial insurance $866 – $2879
Property insurance $543 – $1246
Business income insurance $388 – $1270
Commercial vehicle insurance $1644 – $2685
General liability insurance $360 – $1070
Public liability insurance $397 – $707

The Cost of insurance in Kansas depends on many different factors

We have reckoned these figures for small independent paint contracting businesses in Kansas. 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 large inventory of painting supplies has a much higher risk from arson compared to a sub-contractor working for homeowners and doing minor repair and touch-up jobs in suburban dwellings in KS, so the costs of the insurance will be very different.

FAQ section:

Why do you need business insurance in Kansas?

Due to local regulations, there is a small business requirement in Kansas that some 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 Kansas, 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 employment from the government bodies without a license. You can read about more information about painter license in Kansas – this is general and covers only the states that do have licensing.

Remember, insurance is especially designed to take into account the risks in Kansas 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 Kansas, because of the need to be standing on ladders and scaffolds.

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

Many other general service providers, such as groundskeepers and landscapers, fencing contractors, handymen in Kansas, electricians 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 Kansas, 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

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