If you're a painting and wall covering contractor in Kentucky, protecting your business with the right insurance is essential. Whether you're touching up interiors or transforming exteriors, your work comes with risks. We believe in your business and we want to help you protect it, so here’s a guide to the best insurance for painting and wall covering professionals. The right coverage can shield you from financial setbacks and keep you focused on the color of success!
Painting and wall covering contractors in Kentucky face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for painting contractors bundles general liability, contractor property insurance, and optional business interruption coverage.
General liability insurance for painting contractors covers accidents, injuries, and advertising-related claims.
Contractor property insurance helps replace or repair damaged equipment, furnishings, and inventory.
Workers’ compensation for contractor employees is required by Kentucky and covers staff injuries and lost wages.
Inland marine insurance for contractors covers expensive equipment transported to a worksite.
Commercial auto helps you pay for damages caused by vehicles you use on the job.
Commercial umbrella insurance for contractors provides extra coverage when other policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!
Here are five essential coverages every painting and wall covering contractors should consider to stay protected and profitable:
A business owner’s policy (BOP) for painting and wall covering contractors is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing businesses. Your BOP typically includes:
GENERAL LIABILITY FOR CONTRACTORS Covers legal and medical costs if a client or other non-employee is injured or their property damaged by your business. It also protects you from advertising-related claims. Examples:
CONTRACTOR PROPERTY INSURANCE Helps repair or replace your space or equipment if disaster strikes – like fire, theft, or vandalism. Examples:
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.
If you have employees, Kentucky requires workers’ compensation for contractors. It covers medical care and lost wages for your team members injured on the job – and shields you from most employee lawsuits. Examples:
If you use company-owned or personal vehicles on the job, Kentucky requires you to cover them with commercial auto insurance.
Helps business owners protect the valuable equipment or property they transport across land (such as by a truck to a job site) or store in a temporary location away from their office. If it’s damaged, lost or stolen, inland marine compensates you. Examples:
Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies reach their limits, which helps you protect your company's financial assets.
Every business is unique. We’re fans of yours and here to help you protect it. Mylo has been innovating insurance for ten years. We know how to connect people and businesses to the right coverage. Because we don’t sell our own insurance, we can give you an objective recommendation.
At no charge to you, we will: