Painters Insurance for Tampa FL
Liability, workers' comp and commercial auto for Tampa painting contractors, written under the right class code, with same-day COIs.
Coverage for overspray, spills and ladder falls
Painters face everyday risks: overspray on a neighbor's car, paint on flooring, a helper falling from a ladder. We place policies that cover interior and exterior work under the right class code.
- Overspray damage to property and vehicles
- Class code 5474 for painting and decorating
- Crew injuries, including ladder falls
- From about $500 a year for qualifying painters
Coverage for Tampa FL painting contractors
General liability for painters
Overspray and paint damage, third-party injury on site and completed operations.
Workers' compensation
Medical expenses and lost wages for crew injuries, including falls from height.
Commercial auto insurance
Covers the vehicles you use to get your crew and equipment to each job.
Tools and equipment coverage
Protects the tools and equipment your painting business runs on.
License bond (if required)
A bond for painters whose license or client contracts call for one.
Umbrella / excess liability
Extra liability protection above your general liability and auto limits.
What a painters policy covers, and what to watch
- Overspray on a neighbor's car or landscaping
- Paint damage to flooring and fixtures
- Interior and exterior work under class code 5474
- Spray application and brush or roller work
- Additional insured for GCs and property managers
- An incorrect class code can void coverage for a claim
- Waterproofing and caulking use a different class code
- Overspray exclusions, which we check before you bind
- An uninsured sub's injury may fall back on you
The right class code matters as much as the policy itself
An incorrect class code can void your coverage for a claim. We review your actual work scope and place the correct policy.
Tell us everything you do
If you also waterproof, caulk or pressure wash, let us know so the policy reflects your full scope.
Why Tampa Bay painting contractors choose FishHawk
We review your specific situation, from W-2 helpers to 1099 subs, and make sure your policy fits the work you really do.
- Independent broker: we shop multiple carriers for your trade
- Tampa Bay local, working with area painting contractors
- Same-day COIs, often within the hour: call 813-776-1542
- Stop-Work Order help when you need to get compliant fast
Covered in 3 simple steps
Tell us about your trade
Share your work scope, crew and who needs your COI. We ask only what we need.
We shop multiple carriers
We compare rates and coverage from multiple carriers for your operations.
Bind coverage and get your COI
Pick your policy, we bind it and issue your certificate the same day.
Frequently asked questions
What GL class code applies to painting contractors in Florida?
Most residential and commercial painting work falls under NCCI class code 5474 (painting, buildings and structures, not waterproofing). Waterproofing and caulking work uses a different, higher-rated class code. The right classification matters, an incorrect class code can void your coverage for a claim. FishHawk Insurance Center reviews your actual work scope and places the correct policy.
Does painters GL cover overspray damage to a neighbor's car?
Yes, overspray damage to third-party property is covered under general liability as property damage during your operations. This is one of the most common claims for Tampa Bay painters, particularly on exterior jobs near driveways, vehicles, and landscaping. FishHawk Insurance Center confirms your policy doesn’t contain overspray exclusions before you bind.
Do I need workers' comp as a painting contractor with helpers?
If your helpers are employees (W-2), Florida requires workers’ comp when you have 4 or more employees, or 1 or more if your painting work is classified under construction. If you use 1099 subcontractors, you should still verify their coverage, because an uninsured sub’s injury may fall back on you. FishHawk Insurance Center reviews your specific situation.
Can I get insured for both interior and exterior painting?
Yes, a properly written painting contractor GL policy covers both interior and exterior work under class code 5474. Spray application and brush/roller work are both covered. If you also perform waterproofing, caulking, or pressure washing, let FishHawk Insurance Center know so we can make sure the policy reflects your full scope of work.
How quickly can I get a COI for a new painting job?
Once your policy is bound, a COI can be issued the same day, often within the hour. Call 813-776-1542 with the certificate holder’s name, address, and any additional insured language your GC or property manager requires. For same-day needs, always call rather than email.