Protect your business and meet your legal requirements

Your painting and wall covering business transforms homes and offices across North Carolina. Unfortunately, one surprise expense (like accidental damage to a client's space or an employee's ladder mishap) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. To keep you focused on the color of success, this guide breaks down:

North Carolina's required coverages
The most recommended protections
How to save money on business insurance
How to get fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy beautifying!)

Painting and wall covering contractors in North Carolina 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 North Carolina if you have three or more employees.
Inland marine insurance for contractors covers expensive equipment transported to a worksite.
Commercial auto is required by North Carolina and 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!

FIVE BEST COVERAGES FOR NORTH CAROLINA PAINTING AND WALL COVERING CONTRACTORS:

Here are five essential coverages every painting and wall covering contractors should consider to stay protected and profitable:

1. Business Owner's Policy for contractors

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. Though North Carolina doesn't mandate this coverage, many of your contracts will: Examples:

A client slips on spilled paint and has a concussion
A botched wallpapering job damages a historic wall
A competitor accuses you of copying their logo or slogan

CONTRACTOR PROPERTY INSURANCE Helps repair or replace your space or equipment if disaster strikes – like fire, theft, or vandalism. Examples:

Your office or storage space is damaged by fire or flooded by a burst pipe
A sudden hailstorm wrecks valuable equipment used on an exterior job

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.

Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Workers' compensation for contractors (required by North Carolina)

If you have three or more employees, North Carolina 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:

A painter slips and falls from a ladder or scaffolding
A wall covering installer develops a respiratory issue from chemical fumes

3. Commercial auto for contractors (required by North Carolina)

If you use company-owned or personal vehicles on the job, North Carolina requires you to cover them with commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property
Can also pay for physical damage to your vehicles (optional)

4. Inland marine for contractors

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:

Your expensive paint sprayer hits the side of a swaying trailer and parts are broken
Your equipment is locked up in a trailer on a client site and someone breaks in and robs you

5. Commercial umbrella insurance for contractors

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.

THE BEST INSURANCE FOR PAINTING AND WALL COVERING CONTRACTORS IN NORTH CAROLINA

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and protected over 70,000 small business owners with 100,000+ polices. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in North Carolina – at no cost to you.

In minutes Mylo will:

Recommend the right coverage for your painting and wall covering company
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price in North Carolina
Keep you feeling confident about growing your business!

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Painting and wall covering contractor FAQs

What painting contractor coverages are required by North Carolina?

If you have three or more employees, you're required to carry worker's compensation. If you use personal or business vehicles for work, you're required to carry commercial auto. North Carolina does not mandate general liability, but many of your contracts will.

Why should I shop for a BOP (Business Owner's Policy)?

A Business Owner's Policy saves you money by combining general liability (which helps you pay for medical expenses or lawsuits if someone is accidentally injured by your business) with property (which helps repair or replace your lost, stolen or damaged business property) and business interruption (which compensates you for lost revenue because of property damage). Also, "BOP" is fun to say. We won't judge.

What special risks do I have as a painting and wall covering contractor?

You do physical work on client sites and could cause accidental property damage or injuries. Your employees may be at risk from working with chemicals or standing on ladders and scaffolding. You transport important equipment to job sites and risk damage to it on the road.

What are some ways I can save money on insurance?

You may be able to bundle your most essential coverages (general liability, property and business interruption) in a money-saving Business Owner's Policy. In addition, Mylo makes it easy to compare the best quotes from multiple top-rated carriers so you can find the right coverage at the best value in North Carolina.

How do I get a Certificate of Insurance (COI)?

A Certificate of Insurance provides proof to your clients that they can do business with you and not be on the hook financially if something goes wrong. Once Mylo has helped you purchase a policy, you can request a free certificate of insurance (COI) directly from your new carrier. Contact information for your insurance carrier will be included in the email your Mylo agent sends out with your policy documents.

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