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Painting can be both a personally and financially rewarding career. Like many lines of work, however, it comes with certain inherent risks. Painters insurance helps Massachusetts painters protect themselves from a variety of risks that they face.
Painters insurance policies are specialized commercial policies that are designed to meet the risk mitigation needs of painters. Most policies are written as package policies that combine multiple coverages together, and painters can frequently adjust the coverages that are in their particular policy.
Most businesses in Massachusetts that provide commercial and/or residential painting services should consider purchasing painting insurance. Almost any businesses could face a major disaster or be named in a liability lawsuit, and facing these without insurance can be financially devastating.
The following are some specific examples of businesses that this insurance might be well-suited for:
In some cases, painters may even be required to carry minimum levels of insurance if they want to land certain jobs. Homeowners, businesses and governments may require insurance to help protect themselves in the event that something catastrophic happens while their facilities are being painted.
As mentioned, painting insurance policies normally come with multiple coverages that can be adjusted to meet a business’ particular needs. As a result, there’s not one uniform set of coverages that all policies come with.
Nonetheless, there are several coverages that most policies make available if businesses want them. Some of these more common coverages include:
When a personal vehicle is used for work-related driving, such as going to job sites, what type of insurance is necessary depends on both the situation and the stipulations within a particular policy. Painters who drive their personal vehicles while painting should consult an insurance agent who specializes in painting insurance for assistance with their particular situation.
Painting businesses in Massachusetts that have employees generally need workers compensation coverage, for state laws require most businesses with employees to carry this protection. In situations where painters are self-employed, workers compensation is often still advisable because some health insurance policies exclude work-related injuries.
Whether workers compensation is purchased through a painting policy or by itself depends on the particulars of a given painting policy. An insurance agent who specializes in painting policies can explore what workers compensation options are available to a business.
Certificates of insurance are simply documents that show proof of insurance. They’re a standardized document within the insurance industry, and some potential customers who want their hired painter to be insured might ask to see this document. An insurance agent can help painters who need on obtain a copy of theirs (assuming they have insurance).
For help obtaining painters insurance quotes, contact the independent Massachusetts insurance agents at Haberman Insurance Group. Our agents are able to request multiple quotes on your behalf, and they have the expertise necessary to help you compare both coverages and premiums. With their assistance, you can select a policy that will provide robust coverage.