Name: Workers' Compensation Insurance for Painters
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Why do Painters need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Painting involves physical work and often requires working from ladders, making accidents inevitable. Having workers' compensation insurance for painters acts as a safety net, offering peace of mind and financial protection for both the painters and their employers in case of an accident. This coverage ensures that painters can focus on their work with the knowledge that they are protected in case of an injury.

Common painting injuries

Falls – common when working on ladders, scaffolds, or elevated surfaces
Exposure to chemicals – frequent contact with paints, solvents, and other materials can cause skin reactions or breathing issues
Shoulder injuries – repetitive overhead movements, like painting ceilings, can lead to shoulder strain
Back and arm strains – from carrying heavy equipment or working in uncomfortable positions
Eye damage – caused by paint splatters or flying debris during projects

Protect your workers!

Painters engaging in detailed interior work or commercial exterior painting face unique risks that require adequate protection.

To prevent financial losses, medical expenses, and work disruptions, Kickstand Insurance offers tailored workers' compensation insurance for painters.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Painters workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Painter Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Painters cost?

In 2025, workers' compensation insurance for painters costs about $5.57 per $100 of payroll, or about $211 monthly per painter. This figure does not include taxes and fees and may vary based on claims history and other factors.

For more detailed information on how much workers' compensation insurance will cost for your painting business, read Workers’ Comp Rates for Painters 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Painters

For more details on class codes, visit this detailed guide: Workers’ Comp Code for Painters

5474 - Painting Contractor

5474 - Interior Painting

5474 - Liquid Tinting - Brush or Spray On

5474 - Window Tinting - Brush or Spray On

5474 - Exterior Painting

5474 - Painting Lines - Parking Lot Only

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Painters?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Whether you specialize in intricate interior projects or large-scale commercial painting, finding the right workers' comp policy is crucial for your peace of mind and business stability.

Get in touch with us today to explore the options for workers' comp insurance designed specifically for painters.

Get my Quote

Helpful tips to save money

Choosing Painters insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Painter Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Painter Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Painters

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

I'm a painter, but I also do bathtub refinishing and epoxy flooring. Are these services included in my painters' workers' compensation insurance?

Yes, these services can be included, but it's important to ensure that your agent and underwriters are aware of the full scope of your work.

I subcontract tasks like prep work or restoration. Do I need to include subcontractors in my workers' comp policy?

When subcontracting painting-related tasks like surface preparation or restoration, always collect Certificates of Insurance (COIs) from your subs. Even though 1099 subcontractors aren’t usually included on your policy, if they lack their own insurance, you could be held responsible for any injuries they sustain on the job.

State laws on Workers' Comp for Painters

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for painters insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

Workers' Compensation Insurance for Painters

Policies for Painters and Painting Contractors