Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Painting in Florida involves more than brushes and ladders—it comes with unique risks. From working at heights to handling hazardous materials, painters face daily challenges that can lead to injuries.
Workers’ compensation insurance protects your team if accidents happen on the job, covering medical expenses and lost wages while shielding your business from costly fines and legal issues. Keep your painting business compliant and your team safe with the right protection.
In Florida, painting businesses are classified under the construction industry, which means they are required by law to carry workers' compensation insurance even if they have only one employee.
Failure to comply with this regulation can result in severe penalties, including stop-work orders and fines. Learn more about Florida Workers’ Compensation Rules here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
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
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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
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. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
If you're a painting contractor who occasionally works in neighboring states without overnight stays, your current policy probably has you covered. However, if out-of-state work is a regular part of your business or involves overnight stays, you’ll need to add that state to your policy under Section 3A. Always check with your insurance agent to ensure your coverage is compliant.
Yes! All employees, whether part-time, paid hourly, or compensated through cash apps like Venmo or Zelle, must be covered by your workers' comp policy. Skipping this step can lead to costly penalties for painting contractors.
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