Painting Contractors: Why Work Comp Insurance Matters

Nate Jones
Sep 10
2 min read

Painting contractors face unique risks every day—from working on ladders and scaffolding to handling potentially hazardous materials.

Whether you're a solo painter or manage a crew, having the right Workers Compensation Insurance (also known as Work Comp Insurance) is not just smart—it's essential.

Here’s why:

🛡️ Protect Your Business from Costly Claims

Accidents happen. If one of your employees gets injured on the job, workers compensation insurance covers:

Medical expenses
Lost wages
Rehabilitation costs
Legal fees if you're sued

Without coverage, your business could be held financially responsible, putting your livelihood at risk.

👷 Stay Compliant with State Laws

Most states require painting contractors to carry workers compensation insurance—even if you only have one employee. Failing to comply can result in:

Hefty fines
Business license suspension
Legal action

Total Work Comp helps you stay compliant in all 50 states by finding the right policy for your business.

💼 Win More Contracts

Many general contractors and commercial clients require proof of workers compensation insurance before awarding a job. Having a valid Certificate of Insurance (COI) from Total Work Comp can help you:

Build trust with clients
Qualify for larger projects
Stand out from competitors

🧰 How Total Work Comp Supports Painting Contractors

At Total Work Comp, we specialize in helping painting contractors find affordable, customized workers compensation policies. Here's what sets us apart: