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A professional painting company will know how to prep your home properly and get the job done right the first time. They’ll also leave your home looking neat and tidy afterward, with no drips or streaks to worry about.

Experience

Painting the exterior of your home can be an important part of increasing its value and enhancing its curb appeal. However, it can also be a daunting and time-consuming task. If you’re thinking of doing the job yourself, it’s best to consult with a professional before beginning the project.

Experienced painters know how to complete projects on schedule and within budget. They understand what materials are needed and how to apply them in a way that makes the job look as good as possible. They’re also knowledgeable about health and safety standards and can ensure that any paint-related injuries don’t affect the rest of your life.

Having a skilled and experienced painter on your team will ensure that the exterior of your home looks good from every angle. That’s why it’s important to hire a reputable contractor who has a good reputation for doing a high-quality job on all types of homes.

Exterior house painters should also be experienced in repairing and sanding exterior surfaces. This step can make or break the final product and could mean the difference between a quality paint job and one that’s uneven and doesn’t last as long.

A skilled exterior painter will take the time to prepare the surface of your home for painting and will ensure that every coat is perfect. This prevents a messy job that leaves your home in a state of disarray and will save you time in the long run.

They’ll also be careful not to leave drips on the ground and to ensure that the entire home is clean at the end of each workday. Keeping your home in good condition will help you sell your property in the future, so it’s well worth the extra effort to find a professional who can do the job right.

If you’re considering hiring a pro, check their credentials and get estimates from at least three contractors before choosing the best option for you. Be sure to ask about their past work, their insurance and worker’s compensation, and their bond guarantees. You can also get references from previous clients to see how they’ve been treated by the contractors you’re considering.

Insurance

If you’re an exterior painter, it’s important to have a strong insurance policy that protects your business. In addition to protecting your financial interests, it can help keep you and your employees protected in the event that you or someone else gets hurt on the job.

The first step in protecting your painting business is obtaining general liability coverage. This type of coverage is necessary to protect your business against losses resulting from claims of third-party bodily injury, property damage and libel/slander.

For example, if a client slips and falls on the tarp you put down on your floor to collect paint drips, your general liability policy could pay for the medical bills associated with the third-party bodily injury. You can also purchase a policy that includes product liability to protect your business against claims of damaged products.

Another important type of insurance is workers’ compensation. This coverage is required by law in most states, and it can cover the medical costs and lost wages of injured employees.

Getting workers’ compensation is the best way to ensure that you’re covered in case an employee gets injured or sick while working for you. It’s also a great way to retain top employees, as it shows them that you care about their health and safety on the job.

Many painting businesses opt for a bundled deal called a Business Owners Policy, or BOP, which combines general liability, property insurance and business interruption coverage in one policy. This can be more affordable than purchasing each policy separately, so check with your insurance agent to find out if this is an option for you.

Commercial auto insurance can cover painters’ vehicles, including pickup trucks, vans and trailers, for injuries, vehicle theft and weather damage. Learn more about the costs of this insurance and which coverage limits to choose on Insureon’s commercial auto insurance cost analysis page.

Finally, professional liability coverage (also known as errors and omissions insurance) can protect your business from lawsuits alleging unsatisfactory, late or incomplete work. This is especially crucial if you provide estimates or bids for work on properties that require painting.

Worker’s Compensation

If you’re an exterior painter, you can benefit from worker’s compensation coverage to protect your business. This policy can pay medical costs and a portion of your lost wages if you’re injured while working. It can also help if you are harmed by a third party’s negligence while doing work for them.

If an accident occurs on the job, you should report it immediately. This could help you avoid a lawsuit and save time and money in the long run. You should also call your employer to let them know about the incident.

Workers’ compensation is a legal requirement for painting contractors in most states. It helps cover the cost of medical care, rehabilitation and disability benefits for workers who are injured on the job. It can also pay death benefits for an employee’s dependents if they die in a workplace injury.

You should be sure to request all insurance documentation before you begin a project, including a copy of the company’s policy. This will provide you with important information about the coverages and limits.

Your insurance agent may be able to answer your questions about the policies and help you make an informed decision. For example, they might be able to explain why you’re paying a higher premium for general liability than for commercial auto.

It’s also a good idea to ask about any other types of insurance you might need, such as property insurance and surety bonds. Some states require painters to have these before they can register or get a license.

The cost of these insurances can vary by state and industry, but a basic general liability policy for an interior painter costs around $530 to $870 per year. For an exterior painter, the cost can be much more expensive because they’re at greater risk of causing injury or damage.

Professional liability insurance is another type of insurance that protects painters against claims that their work was unsatisfactory or that they were negligent. It can also help with the cost of legal fees and court settlements.

The best way to protect yourself and your paint business is to purchase the right kind of insurance at the right time. It’s not always the easiest thing to do, but it can be a very smart financial move.

Bond

A bond is a financial guarantee from the principal (you) to an obligee (them). In addition to the usuals like payment and performance, a bond may also be used to ensure compliance with regulatory and safety standards. The most common use of a bond is to guaranty the services of a licensed and insured contractor. For those not in the know, a bond is the safest and most reliable way to protect yourself or your business from a negligent contractor. The best part is that they only take a few minutes to obtain and never cost you a dime! The next time you have an upcoming home improvement project, remember to ask your potential painting company if they offer a bond. The good news is, many do!