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Painters Insurance
Quoted by a Former Union Painter

Agency owner Dave Maynard is a former Chicago District Council 14 Union Painter. He knows overspray claims, spray vs. brush-and-roll ratings, lead paint exclusions, and how to get you the right coverage at the best rate.

Get My Quote → 📞 (815) 691-1111
⚡ Same-Day Certificates Former Union Painter Top-Rated Carriers Independent · No Captive Bias
🎨 No other agency near Rockford can say this: Agency owner Dave Maynard is a former Chicago District Council 14 Union Painter. When you call us, you're talking to someone who has been on the job sites you're working — who knows what overspray claims look like, understands spray vs. brush-and-roll rating differences, and knows exactly how workers comp for painters is priced.
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Residential Painting

Interior & Exterior
  • Interior walls, ceilings & trim
  • Exterior siding, decks & fences
  • Brush, roller & spray application
  • Cabinet painting & refinishing
  • Staining & clear coat finishes
  • Single & multi-family homes
✓ Residential painting rates vary by application method. Spray work carries a higher rate than brush & roll — we always match your class code to your actual scope.
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Commercial Painting

Higher Rate
  • Office & retail space painting
  • Industrial & warehouse coatings
  • Parking structures & concrete
  • High-rise & multi-story buildings
  • Epoxy & specialty floor coatings
  • Lead paint abatement projects
⚠️ Commercial painting — especially industrial coatings, lead paint, or work above 3 stories — carries a higher GL rate. Pollution liability is critical for lead paint work.
Professional painter on a job site Painter on a residential exterior project Painter tools and spray equipment

What Painters Insurance Covers

As an independent agency we shop multiple carriers to build the right package for your painting business — whether you're a solo residential painter or a commercial crew running multiple job sites.

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General Liability

Covers third-party bodily injury and property damage. Required by most GCs before you step on site.

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Tools & Equipment

Sprayers, compressors, ladders, and scaffolding stolen from your van or damaged on the job. Covered under an inland marine floater.

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Commercial Auto

If you haul tools or materials in a truck or van, your personal auto policy won't cover it on the job.

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Workers' Compensation

Required if you have employees. Covers medical bills and lost wages for injured workers.

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Certificate of Insurance

Need a COI for a GC or property owner? We issue same-day certificates so your job doesn't get held up.

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Pollution Liability

Lead paint, oil-based paints, industrial coatings. Standard GL policies often exclude pollution claims — critical for painters doing lead work.

Carriers We Work With

As an independent agency we're appointed with multiple top-rated carriers — so we shop your coverage and bring you the best combination of price, coverage, and service. You're not locked into one company's rates.

Travelers
Progressive
Scottsdale
SECURA
biBerk
NEXT Insurance
Coterie
Markel
Philadelphia Insurance

* Carrier availability varies by state and coverage type. We'll match you with the best fit for your specific operation.

Common Questions from Painters

Yes — overspray on vehicles and neighboring property is one of the most common GL claims for painters and is typically covered under a standard policy. The key is making sure your policy doesn't restrict spray application work. Some cheaper policies do. We check this before binding your policy.
Residential painters doing brush and roll work typically see GL premiums starting around $1,200–$3,000/year for a solo operator. Spray painters and commercial work runs higher — often $2,500–$6,000+ depending on payroll and revenue. We always shop all carriers to find the lowest rate for your specific scope.
Illinois exempts sole proprietors from mandatory workers comp, but most GCs and property managers require a WC certificate anyway. If you hire even one part-time helper, it's legally required. As a former union painter, we know exactly how WC is rated for painters — and how to keep the cost down.
You must disclose it. Standard GL policies often exclude lead paint via pollution exclusions. We access specialty markets that include proper pollution liability for painters doing lead work. Don't skip this — a denied claim from a lead-related incident could be financially devastating.
Yes. If a GC or property owner requires to be listed as an additional insured on your certificate, we handle that. Most carriers allow it at no charge or for a small endorsement fee. We issue the COI same day in most cases.
Most painters can get a quote same day and bind coverage within 24 hours. If you need a certificate urgently for a job starting tomorrow, call us at (815) 691-1111 — we'll make it happen.

Ready to Get Your Painters Quote?

Tell us about your work — residential, commercial, spray or brush — and we'll shop the right carriers and get back to you same day.

Start My Quote Online → Call (815) 691-1111

Questions About Painters Insurance?

Talk to a former union painter who knows the trade. We'll make sure you have the right coverage at the best rate.

📞 Call (815) 691-1111 💬 Text Us Instead