What Is Painters Insurance?
Painting can be rewarding and profitable work, but it comes with certain risks. Painters insurance helps painters in Massachusetts shield themselves from many of the risks they’re exposed to.
Painters insurance is a specialized form of commercial insurance that’s crafted to meet the insurance needs of painters. Policies are typically underwritten as package policies and combine several coverages together.
What Massachusetts Businesses Need Painting Insurance?
Most businesses that offer residential or commercial painting services in Massachusetts should have painting insurance. This includes (but isn’t necessarily limited to):
- Part- and full-time individuals who paint
- Businesses that specialize in painting services
- Other businesses that offer painting on the side
- Nonprofits that paint homes of people in need
Moreover, painters usually need insurance regardless of their business’ legal structure. Insurance policies usually offer different protections than the protections that sole proprietorships, LLCs and other corporate structures afford.
Anyone who’s unsure whether their business needs this form of insurance should contact an agent who specializes in painting policies. A specialized agent will be able to determine whether this or some other type of insurance is appropriate given a business’ specific situation.