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.
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.
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.
The median cost of workers' compensation for painters is $263 per month.
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.
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
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.
Classify your workers correctly
For 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!
Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.
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.
Unlike other online insta-quote systems,
here your quote is reviewed by experts
