Any Questions?  (403) 475-5434
Business Insurance
https://cdn.krywolt.com/wp-content/uploads/2020/02/Personal-insurance-home-insurance-icon.png?strip=all&lossy=1&ssl=1
We Know

Home Painters Insurance

People don't always recognize that a house well painted is a work of art. We do. We know the time it takes to mask properly and the effect a good coat of paint and colour choice can have on the mood a room evokes. Whether you're an artist with your work or even if you're a student painter operating a summer business painting fences, we understand the nuances of Calgary painters insurance.
Get The Right Insurance
Hero Form Business Insurance
Business Insurance

Calgary Home Painters Insurance

Calgary Painters Insurance

As an interior or exterior painting professional, you provide a skilled service that enhances the curb appeal and inner beauty of our homes and commercial buildings. Because you work on your clients' properties and may need to be there for an extended period of time for some jobs, you are vulnerable to certain risks that don't factor into a less hands-on job.

From damaging a client's home or causing environmental pollution to suffering financial losses if your tools are damaged or stolen, there's a lot that can go wrong no matter how careful you are to avoid problems—and those issues could result in paying out of pocket for unexpected expenses such as legal defence in court, legal settlements, property damage restoration, equipment replacement and more.

The best way to avoid major financial setbacks related to those kinds of issues is with a robust painting contractor insurance policy. Calgary painters insurance is a type of business insurance that is tailored to meet the insurance needs of professional painters and give them the peace of mind that comes with knowing they are protected against the most common risk exposures in the painting industry. A typical Calgary painters insurance package includes necessary types of liability coverage, such as commercial general liability insurance, as well as property coverage, such as tools and equipment insurance.

Who Should Have Calgary Painters Insurance?

Anyone who offers building painting services needs the protection against financial losses that comes with the right painters insurance. Calgary painting professionals of all types are exposed to risks that could cause financial setbacks without access to insurance compensation to help them recover from the consequences of accidental damage or injury or the theft and destruction of their own property. That includes:

  • Interior painters
  • Exterior painters
  • Residential painters
  • Commercial painters
  • Self-employed painters

What Types of Coverage Are Included With Calgary Painters Insurance?

Every Calgary painters insurance policy is at least a little bit different from the next one because they are customized to not only address the common risks faced by painting professionals but also meet the specific insurance needs of the individual policyholder. Some types of coverage, such as commercial general liability (CGL) and commercial auto insurance, are standard parts of most business insurance packages, but Calgary painters insurance should also include other types of coverage, such as environmental pollution liability.

Commercial General Liability Insurance

Commercial general liability is one of the standard building blocks of pretty much any commercial insurance policy. This critically important variety of business insurance gives you coverage for common liability risks that can arise from situations where a business owner or employee allegedly caused third-party property damage or third-party bodily injury, and you have lawsuits brought against you as a result. The commercial liability insurance policy in your Calgary painters insurance package offers you financial assistance to deal with expenses such as defence attorney fees, court costs, and settlements should you be found liable for medical expenses, building restoration or property repair and replacement. It may also apply to other related costs, such as legal mediation.

Environmental Pollution Liability

Painters must, by necessity, work with some toxic substances that have the potential to cause environmental destruction, from the paint itself to chemical applications designed to enhance the texture or longevity of a paint application. Even if you're very cautious, there's always the possibility of an accidental spill or careless disposal of waste paints that could cause soil contamination and other environmental concerns. Having environmental pollution liability insurance coverage as part of your Calgary painters insurance gives you the financial support necessary to deal with both first-party costs, such as government fines, and third-party costs, such as clean-up, litigation-related expenses and more.

Tools and Equipment Insurance

As a painter, you may not have a lot of tools that you need to use aside from the basic rollers, brushes and paint trays that are not expensive to replace. But depending on the services you offer and the nature of the painting work you typically do, it's also possible that you do need more specialized, costly equipment such as a hydraulic aerial lift to get at those hard-to-reach areas, or a pressurized paint sprayer that makes the work a lot faster and less laborious.

If those important pieces of equipment were destroyed in a fire or natural disaster, stolen or damaged by vandalism, you wouldn't be able to do your work properly or deliver on promised services by completing your contacts on time until you got your equipment and tools replaced. But replacing multiple pieces of equipment all at once can put a huge strain on your business’s bottom line and result in financial setbacks that are difficult to recover from. The solution to this problem is tools and equipment insurance, a certain type of commercial property insurance coverage that can help you get your equipment and tools replaced promptly so you can get back to work without suffering financial strain.

Tools and equipment coverage offers you insurance compensation to cope with the expense of repairing or replacing equipment and tools that you need to do your job, so you can get back to work as soon as possible and prevent even more financial strain caused by an extended work stoppage.

Commercial Vehicle Insurance

You may have a specialized work vehicle that you only drive for work purposes, and if that's the case, you don't need us to tell you that it must have commercial auto insurance coverage to be legally taken out on the road in Canada. But as a painter, you may regularly use your personal car or truck for business reasons, such as transporting materials to a job site, and in that situation, it's necessary to have commercial auto insurance coverage on your painters insurance. Calgary painting professionals don't always require a commercial-specific, specialized vehicle, but you probably do need to use some type of vehicle for work-related reasons.

For example, if you have a truck that you drive for multiple purposes, it needs personal truck insurance when you're out camping on the long weekend or running errands for your family. Suppose you also use that same truck to bring paint and tools to your clients' properties, haul away old paint chips and perform other business-related tasks. In that case, it's not covered by your personal insurance while you're doing work. You need commercial auto insurance to get insurance compensation for an accident that occurs while you're engaged in business tasks.

Additional Calgary Painters Insurance Coverage

  • Commercial Property Insurance
  • Surety Bonds
  • Business Interruption Insurance
  • Equipment Breakdown Insurance
  • Mobile Property Insurance
  • Cyber Liability Insurance
  • Crime Insurance

Frequently Asked Questions About Calgary Painters Insurance

Will Calgary Painters Insurance Cover Subcontractors Working Under the Policyholder?

In the painting industry and other types of building or construction-related industries, it's not at all uncommon for painting contractors to hire subcontractors to help them complete jobs—but are those subcontractors covered by the hiring contractor's Calgary painters insurance policy? Typically, a commercial policy only covers a business owner's actual employees, who should be listed on the policy as "named insureds." However, it is possible to extend coverage to subcontractors, and many hiring contractors do choose to do that to protect themselves from liability-related costs that could arise due to their subcontractors' alleged actions.

If you are a subcontractor, however, the best course of action is to have your own Calgary painters insurance policy with adequate liability coverage. Insurance benefits the policyholder, and you could be vulnerable to litigation that targets you specifically rather than your employer or hiring contractor.

How Much Does Calgary Painters Insurance Cost?

Much like the cost of a house painting job varies based on factors such as the surface area that needs to be covered and how accessible it is. Thus, the cost of painting insurance will vary significantly based on factors such as:

  • The type of work (commercial or residential)
  • Location of job sites
  • Number of employees
  • Tools and equipment owned
  • Previous work experience
  • Past claims history
  • Annual and projected revenue

If you're interested in knowing more about the cost of Calgary painters insurance, the best course of action is to speak with an experienced broker at Krywolt Insurance and give them some information about the way you operate your unique business so they can find the right insurance coverage for your needs. Calgary painters insurance is affordable and offers significantly more protection than it costs. Get in touch with us today and ensure you're insured with home painters insurance from Krywolt Insurance.

Inquire About Calgary Painters Insurance Today and Stay Protected!

At Krywolt Insurance, we help Calgary businesses—large or small—remain protected against financial losses. We have excellent painters in the city that bring colour and shine to properties. Protecting their rights is one of our top priorities.

Dial (403) 879-8660 today to speak with a knowledgeable insurance representative. Learn more about our Calgary painters insurance and what else we can offer you and your business.

Assess Your Risk And Get Insured
Let's Work Together
You need an insurance expert that understands Home Painters Insurance to be able to define all the possible risks associated with your business so you get the best possible coverage to ensure that a single simple accident or oversight doesn’t overcome your business. You know your business, we know the risks and the ways to protect your business from potentially crippling law suits or loss.

We don’t offer instant online quotes for Home Painters Insurance because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities or simple processes that need to be insured.
Compare & Save On Your Home Painters Insurance
Get The Right Insurance
Hero Form Business Insurance
Best Commercial Insurance Broker Calgary, Alberta
We Know Business Insurance
Get Your Business Insurance on Track - Get Business Insurance from Krywolt Insurance - Access to All Insurance Providers
ASK US ANYTHING
Office: 1 (403) 475-5434
Toll Free: 1 (844) 464-5424
Fax: (403) 475-9656
Email: [email protected]
Krywolt Insurance Brokers
#620, 5940 Macleod Trail SW
Calgary, AB 
T2H 2G4

linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram