Painters and Painting Contractors insurance in Massachusetts – MA – policies and cost
Painters and Painting Contractors insurance in Massachusetts – MA – is a must have type of insurance to have for any individual who conducts business offering their services to the public for painting and decorating.
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A painter that is contracting the public is at risk to many different kinds of liabilities every time he or she opens a can and dips a brush.
If you’re a craftsman, you have to buy painter liability insurance, and here’s why!
What actions do painting contractors do in Massachusetts?
First, a painter should not to be mistaken for an interior decorator.
The latter generally has some kind of training or certification, and so they need to invest in their own liability insurance in Massachusetts.
A paint contractor in Massachusetts is likely to be self-educated and to earn less than the average artisan in MA.
For some painters, it’s part of their day-to-day activity to sell paint to other businesses for use on office buildings and so they need Small Business insurance in Massachusetts to cover all possible risks.
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What coaching do decorators need?
Painters usually are shown on the job how to match colors and the other such vital skills.
In many states, painters may have to qualify with additional safety training when they work with scaffolding.
In some states, apprenticeships may be obtainable for candidates who have a high school diploma combining technical training before becoming self-employed.
What registrations 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 superintendents or start their own business.
About 4.5% of the total labor force in Massachusetts was working in painting and decorating in 2020.
What are the common forms of paint contractors’ insurance policy types in Massachusetts?
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 usual general liability policy for painters in Massachusetts would be with a cap of $1 million for a single submission and a total of $2 million for the whole year.
Professional liability insurance for painters
painter or decorator Every in Massachusetts should have a minimum 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 bonus to include a deductible of a few hundred dollars, to stop the nuisance of senseless claims.
Product liability insurance for painters
The standard level of cover in Massachusetts is dependant on the range of buildings that you upgrade as well as the value of sales.
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Commercial vehicle insurance for painters
If you are doing your own issuing with van, then you need a specific policy giving you commercial vehicle insurance in Massachusetts for the vehicle, the driver and the contents.
Remember that if you supply the paints that you will be applying, then once the cans leave your premises in MA on the way to your building site, your standard insurance stops cover.
Commercial insurance for painters
You are already investing a large share of your money tied up in the business. Aside from the stock of raw material there’s a large investment in your tools and equipment, scaffolding etc.
Commercial insurance in Massachusetts is especially designed to take into account the dangers that can end up losing your money.
Property insurance for painters
Massachusetts 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 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 Massachusetts that have hit the contractor painting sector businesses hard.
Getting proper cover 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 MA
Although every decorator is unique, there are enough examples of usual quotes from insurance companies in Massachusetts for us to give rough guidelines.
Of course, you should always check with a broker of what’s relevant for your business.
The below list is for annual premiums for the main types of insurance retailers need in Massachusetts.
|Types of insurance||Price range|
|Business income insurance||$345 – $1336|
|Commercial insurance||$1047 – $2732|
|Public liability insurance||$323 – $605|
|Property insurance||$537 – $1026|
|Commercial vehicle insurance||$1832 – $3071|
|General liability insurance||$360 – $898|
The Cost of insurance in Massachusetts depends on many different factors
We have reckoned these figures for small independent paint contracting businesses in Massachusetts. 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 varied inventory of painting supplies has a much higher risk from theft compared to a sub-contractor working for homeowners and doing minor repair and touch-up jobs in suburban dwellings in MA, so the costs of the insurance will be very different.
Why do you need business insurance in Massachusetts?
Due to local regulations, there is a small business requirement in Massachusetts 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 Massachusetts, there may be stipulations for the levels of insurance in order to qualify to be permitted 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 Massachusetts – this is general and covers only the states that do have licensing.
Remember, insurance is especially designed to take into account the risks in Massachusetts 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 a must-have 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 Massachusetts, because of the need to be working on ladders and scaffolds.
These higher risks of accidents happening to passers-by, and should be covered by general liability insurance.
Many other general service providers, such as groundskeepers and landscapers, plumbers, handymen in Massachusetts, carpenters 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 Massachusetts, 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 online searches that will point you in the right direction
Most independent brokers and agents work six days a week, with the following opening times.
Monday – 8:00 AM – 6:00 PM
Thursday – 8:00 AM – 6:00 PM
Wednesday – 8:00 AM – 6:00 PM
Thursday – 8:00 AM – 6:00 PM
Friday – 8:00 AM – 6:00 PM
Saturday – 7:00 AM – 1:00 PM