Painting contractors face a unique set of liability exposures, from overspray damage and chemical hazards to falls from ladders or mishandling of equipment. Even the most experienced contractors can encounter unexpected accidents that result in property damage or bodily injury. That’s why having the right General Liability Insurance is so important for your painting clients.
Novatae Risk Group offers a specialized General Liability program for Painting Contractors through Empire Underwriters. Backed by an “A”-rated carrier, this program is tailored to meet the needs of small to mid-sized painting businesses, helping agents like you secure competitive coverage options for artisan, residential, and commercial painting contractors. With over 30 years of experience working with the painting industry, Empire Underwriters brings deep market knowledge and underwriting expertise to every submission.
Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Painting Contractors accounts.
Overview:
This program provides General Liability coverage solutions and risk management services for small to medium-sized painting contractors. Designed to address industry-specific exposures, it offers flexible underwriting and access to both admitted and non-admitted markets.
Market Focus:
Targeting accounts with annual payrolls under $1,000,000, this program is ideal for independent painting contractors involved in a range of low- to moderate-risk projects.
Appetite:
- Artisan Painting Contractors
- Residential Painting Contractors
- Commercial Painting Contractors
- Steel Structure Painting
Eligible Risks:
- New construction for residential and commercial buildings, including single-family homes
- Remodeling and repair work on residential and commercial projects
Ineligible Risks:
- New construction of condominiums, condo conversions, and townhouses (some exceptions may apply)
- Projects involving structures over 3 stories high (with limited exceptions)
Coverages Available:
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate
- Subsidence (limited availability)
- Prior Projects (limited availability)
Submission Requirements:
- Completed ACORD applications
- 3–5 years of currently valued loss runs
- Supplemental application
- Pollution application for project-specific exposures
Do you need a General Liability Insurance quote for your Painter Account?
Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.
Program Highlights:
- Minimum premium starting at $1,500
- Access to admitted and non-admitted carriers rated up to A-XV
- Quick turnaround on submissions with complete documentation
Available States:
This program is available in: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV.
Why Work With Novatae Risk Group:
As a wholesale broker, Novatae Risk Group brings together strong carrier relationships, deep program expertise, and a commitment to helping agents place hard-to-insure and specialty business. With this painting contractor program, you’ll benefit from a responsive team, competitive markets, and underwriting experience that understands the real-world risks your clients face on the job site.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized artisan, residential, and commercial painting contractors with annual payrolls under $1,000,000.
Can I submit accounts with prior claims?
Yes, accounts with prior losses can be considered. Please include 3–5 years of currently valued loss runs with your submission.
Is coverage available in my state?
This program is available in over 25 states, including CA, TX, FL, NJ, and more. Contact us to confirm availability in your client’s location.
Are new construction projects eligible?
Yes, residential and commercial new construction projects are eligible, excluding condominiums and townhouses in most cases.
What carriers are used for this program?
We work with admitted and non-admitted carriers rated as high as A-XV to provide flexible and competitive solutions.
Need help placing an account? Connect with a market specialist.