Premier Painter Insurance San Diego, California


Commercial and Liability Insurance for Painters in California


Painting contractor insurance in San Diego offers protection against various financial risks that face painting businesses no matter if you are a self-employed business or a large painting operation with several employees. If something unpredictable happens, and you do not have the right insurance, a minor incident can often escalate to a large and costly problem that can jeopardize your painting business. An unfortunate event, like a paint spill in a customer’s home or a fall from a scaffolding, can lead your business on the path to a lawsuit. Purchasing the right painter insurance in San Diego can protect your financial assets.


At H&M insurance company has coverage plans for all your needs. Come to us and we will help you understand customized coverage and find the most affordable solution to your painting business in San Diego. Have peace of mind at your fingertips.



(619) 296-0005

Coverage Options for Painting Insurance San Diego

Unfortunately, mistakes often happen. To be prepared, purchasing the painters insurance can protect you from responsibilities painters usually encounter. We understand all the risks, so we prepared some coverage options we think will suit your unique needs:

General Liability Insurance for Painters

This coverage includes property damage bodily injury, personal/advertising injury, and legal defenses and settlements in the event of a lawsuit. If one of your customers files a claim against you, this policy will help you cover all the damages, as painters interact with clients and their property.

Business Owner’s Policy (BOP)

Convenient and more affordable BOP bundles liability coverage, business interruption coverage, and property insurance. It costs less than the price of purchasing each of the policies separately.

Professional Liability Insurance

Also known as errors and omissions, this insurance protects you against claims of negligence from clients. It typically covers personal injury, negligence, copyright infringement, legal defenses regardless of fault, and many more. It includes damages caused by things you did and/or things that you should have done.

Tools and Equipment Coverage

It protects your business essentials against loss, damage, or theft and is designed for contractors that work at different job sites. It protects moveable tools and equipment wherever they are stored and pays for repair and replacement if they are damaged while in transit or in storage away from your business office.

Environmental Impairment Liability (EIL) Insurance

Do not let the pollution incident threaten your whole business as the removal, transport, and disposal of the paints, varnishes, and solvents are particularly hazardous. Policies usually include own site and third-party cleanup costs, investigation and defense costs, and business interruption if there is an intervention by the regulator.

Commercial Property Insurance

This type of insurance is designed to protect your business’s physical assets against damage or loss from a broad range of causes, including ice storm, fire, vandalism, hurricane, water damage, explosions, and earthquake. The cost of the insurance is determined considering several factors, like location and occupancy.

Inland Marine Insurance

Used for businesses that transport materials, tools, and equipment over land and cover property housed at a specific location, it can also cover the tools and equipment that travel with employees to nearby job sites. The agents from the H&M insurance agency will help you determine the cost-effectiveness of purchasing inland marine coverage for your business.

Hired & Non-Owned Insurance

Hired autos are vehicles your business borrows, rents, leases, or hires that are used in the course of doing business. The liability coverage applies in situations where the employee uses that auto in the course of business. Non-owned auto liability coverage applies in cases where employees use their own vehicles on business for their employees.

Environmental Impairment Liability (EIL) Insurance

Do not let the pollution incident threaten your whole business as the removal, transport, and disposal of the paints, varnishes, and solvents are particularly hazardous. Policies usually include own site and third-party cleanup costs, investigation and defense costs, and business interruption if there is an intervention by the regulator.

Surety Bonds

They are typically written to protect, indemnify, or provide a financial guarantee to a third party that the work will be completed. Many public and private contracts require surety bonds, so feel free to contact the H&M insurance agency and inform in detail on surety bonds.


One insurance company, multiple coverage options.

Insurance for Painting Business in San Diego: Multiple Options



  • We are the leaders in minimizing insurance costs and reducing risks
  • We offer the most affordable liability insurance for painters in California
  • We are partners with the most prominent insurance companies
  • We are a family-owned company with more than 50 years of experience
  • Our painters insurance quotes are fast, easy, and free
  • Offering flexible payment options
  • We specialize in California insurance markets
  • A knowledgeable team of insurance agents is always willing to provide an objective assistance
painters insurance near me


What Kind of Insurance Does a Painter Need?

As painters can get sued for a variety of reasons, having proper insurance can save your small business from work-related losses, legal fees, and medical expenses. It is always advisable to have at least general liability insurance, although it is not mandatory many prospective employers do carry it. However, if you have employees, the workers’ comp is mandatory in the state of California.

How Much Does Painting Insurance Cost in San Diego?

The cost of painters insurance varies depending on various factors, including:

  • Number of employees
  • Years of experience
  • Project type
  • Location
  • Annual and projected revenue
  • Tools and equipment owned

How to Obtain Liability Insurance If I’m a Painter?

It is very easy to get insurance coverage if you have your business information on hand. You can buy a policy online and get a certificate of insurance with H&M insurance quickly in three easy steps:

Get a Quick Quote

Painting Company Insurance California – Simple, Flexible, Scalable

Get covered in minutes with the H&M insurance company. Whether you need self-employed painter insurance or general liability insurance, protecting your business is always a good investment simply because you cannot predict the future. Learn more about insurance for painters, including what it covers, how much it costs, and how the painters insurance can help your business. Contact H&M insurance company at (619) 296-0005 and find out more.


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