subject: Why One Needs Painter Insurance [print this page] Anyone in the painting business, whether it is as a single operator or a company, is well aware that there can be accidents when dealing with the public. It may be regarding personal injury or damage caused by the products being used. Anyone working in this area should have Painter Insurance which will cover these possibilities.
One thinks of a painter as someone who just comes in, prepares a surface to be painted and does the job. However, there are many factors to be considered. As a rule, more than just paint is involved. There are solvents and other materials that can be caustic. In addition, drop cloths can slip or cause someone to trip, paint drops can go where they shouldn't and there are many other possibilities.
Should some of this material, or the paint, come in contact with a piece of art or a painting it might cost several thousands of dollars to restore. This would remove any profit one was expecting from the job. It might even cost more and have to come out of one's pocket which might cause a financial hardship.
If a single-man or woman operation is sub-contracting they will usually find that they are required to have this insurance. It is very easy to obtain and is relatively inexpensive. It provides the protection one needs for any event that may occur.
Anyone who has worked for a number of years knows that when a job is contracted that means that there is personal responsibility involved. The job must be done in a satisfactory manner and the premises must be left in as good a condition as it was when one arrived. Having insurance to assure this happening is only common sense.
In order to clear more profit on a job some people so not take out an insurance policy. This is not a wise decision and unnecessary. It is very simple to figure the price of the insurance in with other job costs when presenting an estimate. That has the contracted party paying for one's policy.
No one likes to think of the possibility of an injury to an employee, damage to important objects or a customer being dissatisfied with one's work. However, those things do happen. For this reason, appropriate Painter Insurance is what a person who is knowledgeable and responsible will have before ever going on the job
by: Paki K Hadden
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