Painter Insurance in San Diego County
Painting Contractors in California carry GL, WC, and (if licensed under CSLB) a $25K license bond. TWT bundles them in one quote with same-day COIs.
Key Takeaways for Painters
- CSLB Requirements: Class C-33 Painting and Decorating contractors must carry a $25,000 bond. SB 216 requires all C-33 contractors to carry Workers' Comp by 2028.
- Cost Expectations: Interior painting is considered low risk, resulting in lower GL premiums. Exterior painting, especially over 3 stories, increases the cost. A solo painter might pay $800 - $1,500 annually for GL.
- Same-Day COIs: We issue Certificates of Insurance (COIs) with Additional Insured endorsements the same day.
Coverages Every Painter Needs
General Liability
Covers overspray on cars, paint spills on expensive flooring, and trip-and-fall hazards.
Learn More arrow_forwardWorkers' Compensation
Class code 5474. Covers falls from ladders, repetitive strain, and chemical exposure.
Learn More arrow_forwardTools & Equipment
Coverage for expensive commercial sprayers and scaffolding.
Learn More arrow_forwardWhat's Covered vs. Excluded
Typically Covered | Common Exclusions |
|---|---|
| Third-party bodily injury (e.g., client trips over tools) | Employee injuries (Requires Workers' Compensation) |
| Property damage caused by your work to other property | Damage to your own tools/equipment (Requires Inland Marine / Tools) |
| Completed operations (post-construction claims) | Accidents in company vehicles (Requires Commercial Auto) |
| Damage to the structure under construction (if you hold Builders Risk) | Damage to the specific part of property you are working on (Faulty Workmanship) |
Get Your Painter Quote
Stop waiting days for a quote. Fill out the form below, and our team will get back to you with a competitive insurance quote tailored to Painters.
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Fast Turnaround
Quotes typically provided within 24 hours.
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Same-Day COIs
Once bound, we issue certificates immediately.