Painter Insurance: Protection That’s More Than Skin Deep
Because "Watching Paint Dry" Shouldn't Be Your Risk Management Strategy.
In your business, a clean finish is everything. But in the real world, ladders slip, drop cloths move, and "overspray" is a four-letter word that can cost you a client (and a car or two). Whether you’re a high-end interior specialist or a commercial exterior crew in Lynnwood, you’re only one spill away from a very colorful legal bill.
At Hood Insurance Agency, we make sure your business stays protected so you can focus on the edges. Our "Wolf Pack" is relentlessly protective of local painters—because we know that in Washington, if you’re not covered, you’re just a target.
Why Painters Need More Than a "Bucket" Policy
1. General Liability (The "Overspray & Oops" Shield)
You meant to paint the siding; the wind decided to paint the neighbor's Tesla. General Liability is your first line of defense against property damage and bodily injury claims. We make sure your limits are high enough to satisfy even the pickiest commercial property managers in Edmonds and Everett.
2. Care, Custody, and Control (The "Don't Break Their Stuff" Clause)
Most basic policies have a nasty little exclusion: they won't pay for damage to the specific item you are working on. If you drop a sprayer and ruin an antique hardwood floor, you need "Care, Custody, and Control" coverage. Without it, you’re paying for that floor out of your own pocket.
3. Inland Marine (Tool & Equipment Coverage)
Your sprayers, pressure washers, and ladders are the lifeblood of your crew. If they disappear from your van overnight or get crushed on a job site, Inland Marine coverage ensures you’re back at work by Monday morning.
4. Washington Stop-Gap (The L&I "Safety Net")
If you have a crew on ladders, you have risk. While Washington L&I handles the medical side of an injury, Stop-Gap coverage protects you if that employee (or their family) decides to sue for negligence. It’s the "monopolistic" state hole we’ve been warning you about—and we know exactly how to plug it.
From Trim Work to High-Rises
Residential Interior: Precision coverage for high-end home specialists.
Commercial Exteriors: Robust liability for large-scale projects and HOAs.
Specialty Finishes: Protection for cabinet refinishing and industrial coatings.
The "Rapid Response" Certificate Service
We know that in the PNW, a sunny window for exterior work is a rare gift. You can't afford to wait three days for a Certificate of Insurance (COI) while the clouds gather.
Need a COI for a new GC?
Need a "Waiver of Subrogation" right now?
The Pack moves at the speed of business. We get your paperwork done so you can get the primer on.
Stop Painting Yourself Into a Corner
Don't wait for a claim to find out your policy is as thin as a single coat of cheap primer. Let the Hood Insurance Pack run a "Pack Audit" on your current coverage to find the gaps before the client does.