Painter insurance
Tools and equipment coverage
A painting business runs on equipment that rarely sits in one place: airless sprayers, extension ladders, planks, pressure washers, and stocked paint.
What a tools floater can cover
- Theft from a job site or a locked vehicle
- Damage when equipment falls or is dropped
- Rented lifts and scaffolding
- Paint and materials in transit
Questions to ask
- Is coverage replacement cost or actual cash value?
- What is the per-item limit?
- Are there overnight vehicle storage conditions?
Request pricing for tools and equipment.
Frequently asked questions
Does my homeowners policy cover my sprayer?
Usually not for business use, and rarely once it leaves the house.
Are tools covered in the van?
Often only with an inland marine or tools floater, and theft from a vehicle may have conditions.
Is rented equipment covered?
Rented lifts can be added; rental agreements often require it.
More coverage and guides
- General liability for painters
- Overspray and property damage
- Lead-safe work and pollution coverage
- Ladders, scaffolds, and workers' comp
- Tools and equipment coverage
- Commercial auto for painting vans
- Painting job types and insurance
- Subcontracted painters and certificates
- Insurance clauses in painting contracts
- What affects painter insurance cost
- Painter application checklist
Last updated October 15, 2026 · How we research