General liability for painters
Published 2026-06-11 · by Brokly
If your overspray drifts onto a customer's car or landscaping mid-job — or your finished work causes harm after the crew has left.
What it covers for painting contractors
Protects the business against claims of bodily injury, property damage, and personal injury. For a painting contractor the live-job exposure is property damage during operations — overspray and spills reaching cars, roofs, and landscaping beside the surface being painted — and its products/completed-operations section pays for bodily injury and property damage that occurs away from your premises and is caused by your completed work. Painters apply coatings on and around other people's property all day — a drifting overspray plume or a tipped bucket can damage far more than the wall being painted.
Sources: Texas Department of Insurance — Commercial general liability insurance (retrieved 2026-06-11)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for general liability, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the general liability benchmark for painting contractors — same URL, real numbers.
Until then, see what painting contractors need state by state: Arizona · California · Colorado · Connecticut · Florida · Georgia · Idaho · Illinois · all states →
Stay informed
Coverage rules change.
We’ll send the updates that affect your business.