Protect your business and meet your legal requirements

Your painting and wall covering business transforms homes and offices across Texas. 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:

Texas'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 Texas 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 Texas and covers staff injuries and lost wages.
Inland marine insurance for contractors covers expensive equipment transported to a worksite.
Workers’ compensation for convenience store employees is not required by Texas but recommend to cover employee injuries.
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 TEXAS 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. 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 (not required in Texas but recommended)

Unlike most states, Texas does not require private employers to carry workers’ comp. But we strongly recommend it if you have employees! This valuable coverage pays for medical care and lost wages if staff are injured on the job and helps protect you from 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 Texas)

If you use company-owned or personal vehicles on the job, Texas 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 TEXAS

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and and connected 75,000+ small business owners with 100,000+ policies.. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Texas – at no cost to you.

In minutes Mylo will: