Painters insurance is a type of contractor insurance coverage that is specifically crafted to protect the potential risks of professional painters while they are working. With the right painter insurance in Ontario, an experienced painter can complete their tasks and projects with the peace of mind that if an insured peril were to take place, he would be adequately compensated to deal with any litigation costs and can handle any extra expenses that may occur such as destruction or damage of property.   

Whether it's an individual tripping over tools or supplies while on the job site and injuring themselves or paint spilling and damaging a priceless rug, you would not want to have to pay for any medical expenses or to replace a priceless rug out of pocket. This is why the right painters insurance coverage is essential to any professional painter and should be top of mind before they begin a project. Just like other forms of insurance coverage, business insurance coverage should be in place before any work has started. 

Every painting contractor in Ontario should have painters insurance. This type of coverage is essential as you have invested a lot of money, time and resources, and you want to protect that investment at all costs. Whether you are an owner-operator or have many employees, your business is always open to unexpected risks. Mishaps such as falls, damaged windows, stolen tools, cyber breaches and spills can occur. And without the right painters insurance, you would have to fix those incidents out of pocket. 

Ontario painters should invest in the correct painters' insurance for their business to protect them from having to pay out of pocket for any insured perils that may occur on or off the job site. In fact, many customers will ask for proof of insurance before hiring a painter, which means you will lose out on that business if you don't have painter's insurance. If you are bidding on painting contracts for government, commercial or institutional projects, commercial general liability insurance is mandatory and showing a certificate of insurance will be required. This is especially important for painters doing exterior spray painting as they face additional risks. For example, if you're conducting exterior painting and the wind carries paint in the wrong direction, it may damage properties or vehicles, which may result in lawsuits against you.  

No, your painters insurance will not automatically cover any sub-contractors. These individuals must provide their own coverage to ensure they are properly protected. AnoOther option is to purchase a coverage extension that would cover those subcontractors on your existing painters insurance policy. The team at Morison Insurance will be more than happy to add this coverage option when starting a painters insurance quote or adding to your already established painters insurance package.   

The simple answer is no. However, it would probably be in your best interest to have painter's insurance. Just because something isn't mandatory doesn't mean you should simply ignore it. Painters insurance is an investment in making sure your business is properly protected in the event of an insured peril. We all don't plan for mistakes and errors to happen, but having proper insurance behind you will benefit you and may save your business.   

When starting a painters insurance quote, it's best to come prepared to answer any questions our Morison Insurance brokers may have. Our expert brokers will need to know a variety of aspects of the business and the business's specifics needs to build a complete set of coverage to ensure you and the business are protected. Some questions they may ask are:   

• Do you currently have insurance?   
• Have you been declined/cancelled or non-renewed in the past five years?   
• Have you had any insurance claims in the previous five years?   
• Are you full-time or part-time?   
• Do you have any subcontractors working for you?   
• Do you ask for proof of insurance from your subcontractors?   

When starting a painters insurance quote, our expert brokers will ask you many more questions, so make sure to have as much relevant information available as possible.