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02-23-2007, 12:38 AM
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#1
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Wanna B a Pro
Trade:
Painter
Join Date: Feb 2007
Location: Davenport, Iowa
Posts: 70
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Insurance
How much insurance does everyone have for there business?
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Jill of all trades...Master at MOMMY 
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02-23-2007, 12:54 AM
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#2
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My custom title
Trade:
Painting, faux, rock, plaster, texture, tile, laminates, finish carpentry contractor
Join Date: Jul 2006
Location: Tallahassee, FL
Posts: 1,559
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Get insurance starting at 2 story, spray (if you have a sprayer) and half a mil, 500k.... you will be covered for about anything.. as you branch out and get bigger jobs you can always raise it. Just make SURE they know and understand, it's just you...
Just don't do tooo cheap, 500k is really only 250k payout for accidents other than the place blowing up, read those documents... this is why builders want you to have mil plus for 150k spec homes.
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Benn
Quote:
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Originally Posted by Brian
Paint does a lot more than put color on a surface. It protects surfaces, it can reduce maintenance costs, it can enhance lives.
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02-24-2007, 08:05 AM
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#3
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Pro
Trade:
Painting Contractor
Join Date: Dec 2006
Location: New Jersey
Posts: 293
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General Liability- $5 million plus Worker's Compm Ins. Anything less than $5m will not allow you to enter any Commercial Jobs around here (NJ) Most houses that we work in/on are worth well over $1m to a house now that was just built for $15million. If we burn that baby down, I can promise that you will not hear from me again 
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02-24-2007, 08:22 AM
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#4
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Pro
Trade:
Plastering, Drywall, Painting, Woodworking, Stucco, refinishing woodwork
Join Date: Jun 2006
Location: South Eastern Michigan outside of Detroit.
Posts: 1,108
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I do repair work and we carry a 1.5 mil
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02-24-2007, 09:40 AM
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#5
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Painting & Restoration
Trade:
Painting Contractor
Join Date: Apr 2006
Location: AKRON PENNSYLVANIA
Posts: 306
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1 mil liability
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02-26-2007, 10:50 PM
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#6
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Member
Trade:
Painting, Plastering, Drywall
Join Date: Jan 2007
Location: Indiana
Posts: 83
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I carry 1 Mil. in liability. With one of my first jobs, I was going to scrape old texture off a wall in an older home. The home owner is a realtor, and collected a large amount of antiques. She had not cleared the area that I was going to work in, so I proceded to remove a painting of some old American Indian dude, and an old iron table with a glass top. I moved them to an adjacent room. I proceded to scrape texture off the wall, and created a bit of dust. The home owner then asked if I could put plastic over the door to the room that I had moved the items to because her $3K painting was getting dust on it. Whoo I had no idea that that thing could be more than a few bucks. I decided then that I would require my customers to move any valuables from the areas that I would be working in. Later that week a few electricians showed up to start rewiring the house. The room that they were starting in had several antiques, so I warned them that the items there were quite valuable, and take care when moving them. Eventually all furniture was moved out. Just be real careful when dealing with other peoples belongings, it could cost you. Paul
Last edited by Paul_R; 02-26-2007 at 10:55 PM.
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02-26-2007, 11:32 PM
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#7
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Painting Contractor
Trade:
Painting Contractor
Join Date: Jul 2005
Location: Pekin, IL
Posts: 249
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1 mil liability. my biggest fear is having to use it. I wouldn't walk into someones home without it.
__________________
If love is blind, why do they make Lingerie?
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02-27-2007, 11:35 AM
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#8
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Central Florida Painter
Trade:
Painter
Join Date: Sep 2006
Location: Florida
Posts: 359
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Quote:
Originally Posted by DelW
1 mil liability. my biggest fear is having to use it. I wouldn't walk into someones home without it.
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Amen to that. That's why they call them accidents. Not purposefulls.
__________________
A good paint job isn't cheap. A cheap paint job isn't good. 
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