New Jersey Commercial Insurance for Painters

Painters in New Jersey are considered to be “home improvement contractors”. All home improvement contractors should carry liability insurance to protect their investment in their businesses. Liability insurance helps to financially protect the insured in case of lawsuits that result from third-person property damage and injuries. Painters and other home improvement specialists might be interested in learning about the liability coverage included in New Jersey commercial insurance policies.

The nature of contracting work can lead to accidents. Property damage could occur in contracting work if an employee accidentally spills a can of paint on a client’s carpeting for example. Another example of property damage might be loose scaffolding that falls and lands on a parked car beneath. 

Accidents where people are injured as a result of the painting service come under bodily injury liability. This may compensate injured parties for their medical bills and provide some financial protection for the cost of litigation, or expenses for out-of-court settlements.

Having New Jersey commercial insurance liability coverage not only provides some financial protection to business owners, but to their clients as well. Get a good understanding of how liability coverage works for contractors by giving our team of agents a call. 

*