Painting Contractor Insurance

Painting contractors face a surprising range of risks on every job — from falls off ladders and scaffolding to paint overspray damaging a neighbor's vehicle, to chemical exposures from solvents and lead paint. A single property damage claim from overspray or a spilled gallon of paint on a client's hardwood floor can result in thousands of dollars in claims, and a fall from scaffolding can result in a workers' comp claim that affects your rates for years.

The Oregon Construction Contractors Board (CCB) requires all licensed painting contractors to carry general liability insurance. Residential contractors need a minimum of $100,000 per occurrence, while commercial contractors must carry $500,000. Many commercial clients, property managers, and general contractors require higher limits — often $1 million or more — and require you to name them as an additional insured on your policy.

Insure Pacific has been insuring Oregon contractors since 1935. Our agents understand the CCB requirements, the unique risks painting contractors face, and how to structure a policy package that keeps you compliant and protected. We work with 50+ carriers to find the right coverage at the right price for your painting business.