If you are a professional painter, you may have a few tricks that make you stand out. But one thing is for sure; injuries from falls and property damage like broken windows are just some of the possibilities as you bring new life to your customers’ houses and businesses. The excellent news is that you can ease your mind with painting insurance. Most importantly, always settle for coverage that suits your business’ needs to rest assured that such incidents won’t take you off balance.
Type Of Insurance That Every Professional Painter Should Know
Like any insurance out there, the costs come down to your coverage needs. These may include the number of employees and the extent of risks. For instance, the more employees, the higher the costs. Basic policies include:
- General Liability
It is the most basic type of coverage for house painters in Tampa. Most employers will consider working with you if you have this policy. It compensates for property damage and bodily injury caused by you or your employees. You can extend this insurance with the Business Owners Policy for commercial buildings or individual property.
- Commercial Auto Policy
Painting companies have vehicles that transport the employees and supplies to the job location. These vehicles may need this insurance for comprehensive coverage. A standard policy may be okay. But you still risk being denied your claims.
- Inland Marine Insurance
It has nothing to do with the marines and is crucial for painting businesses. It covers painting tools and equipment from storage, during transportation, and even on the worksite.
- Workers’ compensation
It covers the injury of employees during any job-related activities.
Risks Involved In A Painting Business
- Damage to supplies
Painting services incorporate moving from one place to another, and you may have a truck or van for the smooth running of this part for your business. Besides, if you utilize special equipment, you may want to take insurance for guaranteed coverage if anything happens. Insuring for events like theft, flood, or fire makes financial sense to ensure business continuity.
- Bodily injuries
Let’s face it; painting evokes a new outlook and feels to the oldest properties. But the art of painting itself is full of risks like injury from falling from ladders to inhaling harmful painting fumes. The latter occurs to anyone from you, your staff, and your customer.
- Worksite damage
Your customer’s property can be damaged when paint runs on carpets or floors or glass windows break as you carry out your job. Acknowledging these possibilities and taking insurance saves you headaches along the road.
Most times, painting jobs utilize chemicals like chemical strippers or solvents. It is especially true for the preparation part of the job to remove old paint or wallpaper. However, these chemicals can affect your health, staff, or customers. This has often brought about another question; are metal paints harmful?
What Is Metal Paint?
Metal is common in the construction industry, thanks to its durability. However, these construction gurus are prone to damage due to moisture. Special metal paint comes in handy to prevent moisture from eating away the metal surface. Before 1978, lead was used in paint. However, the toxic metal can adversely affect those who breathe or consume it for impaired growth and hearing. Another harmful painting agent before 1990 was mercury. But it’s no longer utilized in paints since it harms people by building up in the environment used. It’s the 21st century, and many metal paints pose less to no risk if handled well.
What Are The Types Of Metal Paints?
- Acrylic paint
It is quite popular since it offers superior protection and prevents corrosion; it doesn’t crack or fade and promotes the long life of the metal surface, up to eight years. It withstands high temperatures and is often used for painting heating radiators. It is also ideal for indoor and outdoor painting due to its non-toxic and non-combustible nature with no unpleasant odor.
- Oil paint
It is ideal for internal coloring. Painting in the external environment promotes fading and cracking. It is extracted from natural oils and is more of decorative material. Once it’s applied, a quite attractive coat forms. However, it is unstable due to varied temperature exposure.
- Alkyd paint
It is utilized to color galvanized metal surfaces indoors and outdoors in homes and businesses. It has a relatively high degree of adhesion and is also effortless to apply. However, this paint is fairly flammable and should not be used on or near heating elements.
- Hammer paint
It contains an epoxy, acrylic, and alkyd base with a top-up of glass and aluminum powder. Such a coating paint is rough to touch but with a glossy surface that exhibits a hammered texture. It has great moisture resistance and comes in varying textures and colors. A two-layer of hammer paint replaces the need for a primer and topcoat.
- Epoxy paint
This painting material is quite toxic and is exclusive for exterior painters in Tampa. It is not widespread but is highly recommended for external metal surfaces with exposure to higher temperatures.
Why Spend On Painting Insurance?
Whether you are making it big in the painting scene or are starting, you may want to know if getting painting insurance is really worth it. Well, it is! And here are a few reasons.
- It minimizes the risk of financial turbulence. Whether you have savings in your business account or not, you don’t have to go deep into your family’s finances to get yourself out of trouble.
- You land more painting jobs with guaranteed compensation in case the unexpected happens. Employers, especially those who have invested a lot in their properties, will need proof of coverage for injuries or property damage.
- Painting insurance may be a requirement in some states. It is often the case for workers’ compensation and general liability policies.
- It indicates how seriously you take your painting services and drives out skepticism from potential customers. This is regardless of whether you are a startup or have a decade of experience in the painting business. Insurance policies promote credibility and show commitment.
Are you searching for a professional painter in Tampa and its environs?
Choosing a painting company with extensive insurance coverage like Jumbo Painting is highly advisable. This way, you can be assured that your property is in good hands, and in case any accident happens, you will easily recover. Evoke a glossy look to your residential or commercial property with the painting pros!