Painting Contractors Insurance
Commercial Auto Insurance
for Painting Contractors
Painters use trucks or vans to transport ladders, paint, sprayers, and equipment to job sites. Commercial auto insurance is required for any vehicle used primarily for business and covers your vehicles against accidents, liability, and physical damage.
Industry-Specific Insight
Why Painting Contractors Businesses Need Commercial Auto Insurance
Painters use trucks or vans to transport ladders, paint, sprayers, and equipment to job sites. Commercial auto insurance is required for any vehicle used primarily for business and covers your vehicles against accidents, liability, and physical damage.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for painting contractors operations.
FAQs
Common Questions from Painting Contractors Businesses
Does my personal auto cover my painting van?
No. If your van is used primarily for your painting business, it needs a commercial auto policy. A claim on a business-use vehicle under a personal policy is likely to be denied.
Can I cover a cargo van and a ladder truck under the same policy?
Yes. Multiple work vehicles can be insured under a single commercial auto or fleet policy.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Painting Contractors Businesses Commonly Need
A complete protection plan for painting contractors operations typically includes several complementary coverages.
Painting Contractors · Commercial Auto
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