Medford, OR
Painter insurance in Medford, Oregon
Liability, workers' comp, and equipment coverage for Medford painting contractors. A quote is not a binder.
About 86,301 people live in Medford, part of Jackson County, where County Business Patterns counted 49 painting contractors with payroll in 2023 employing 433 workers.
Jackson County contractor figures
| Census CBP 2023 | Jackson County | Oregon |
|---|---|---|
| Painting and wall covering contractors | 49 | 1,091 |
| Painting contractor employees | 433 | 4,836 |
| Painting contractors with 1–4 employees | 38 | 809 |
| Drywall and insulation contractors | 25 | 376 |
| Flooring contractors | 27 | 489 |
| Residential remodelers | 122 | 2,263 |
CBP 2023 establishment and employment counts; nonemployer painters excluded.
Jackson County's 433 painting contractor employees earned about $69,570 each in 2023 payroll, compared with $51,126 across Oregon. Splitting that payroll correctly between interior and exterior work can change a comp premium.
The finish trades in Jackson County include 25 drywall and insulation contractors, 27 flooring contractors, 122 residential remodelers. Remodelers are a steady source of subcontract painting, and they usually ask for certificates and additional insured endorsements.
The Medford housing stock
The median home in Medford was built in 1984 (Oregon: 1981). Most homes post-date the 1978 lead paint ban, though older pockets remain. Ask about the age of every house before you sand or scrape.
Medford has 36,630.0 housing units, and 44% of households rent. Rental housing turns over often, and landlords and property managers hire painters between tenants on tight schedules.
Single-family houses make up 68% of Medford's housing (Oregon: 68%). Detached homes drive exterior repaint work, with ladders, siding, trim, and landscaping all in play.
Statewide building permits covered 14,621 housing units in 2024 (Census). New homes become repaint jobs within a decade, and builder work means contract insurance clauses today.
73% of Medford workers drive alone to work and 4% commute 45 minutes or more. Painting crews spend the same hours on the road, and a work van needs commercial auto coverage.
11% of Medford's 38,983 workers work from home (Oregon: 19%). Occupied homes mean daytime interior work around residents, pets, and home offices.
American Community Survey 2020–2024 (tenure, structure type, year built, commuting, vehicles); Census 2024 population estimates; Census Building Permits Survey.
Oregon's payroll painters earned a median $48,900 in May 2025 (BLS), and 240 painter and plasterer helpers worked alongside them. Self-employed painters are not counted.
Jackson County holds 4.5% of the state's painting contractors, and 78% of them employ one to four people. In a market of small crews, a single fall or a fire from a heat gun can end a season.
Practical risk notes for Medford crews
- Check the wind forecast before any exterior spraying.
- Tell your agent before adding a new kind of job.
- Contain pressure-washing runoff away from storm drains.
- Collect certificates from every subcontractor before they start.
The job types guide explains how residential, commercial, and new construction work in Medford each change what insurers ask.
Medford compared with nearby cities
Multnomah County, home to Portland, counts 146 employer painting contractors. Salem (Marion County) sits in a county with 159 painting contractors. By median year built, Medford has the 12th oldest housing of 20 Oregon cities covered here.
Preparing a Medford painter quote
- Claims history: Any prior claims
- Subcontractors: Costs and certificates
- Job mix: Interior, exterior, residential, commercial
- Older homes: Pre-1978 work and RRP certification
- Payroll: Employees, helpers, and payroll
- Spraying: Share of work sprayed
Medford painting contractors ask
What insurance does a Medford painting contractor need?
Liability, workers' comp, commercial auto, tools and equipment, and often contractor pollution liability.
How many painting contractors are in Jackson County?
County Business Patterns counted 49 painting contractors with employees in Jackson County in 2023. Self-employed painters are not included.
Do Medford painters need lead coverage?
The median Medford home was built in 1984. Homes built before 1978 may contain lead paint, and many liability policies exclude it. Ask about a lead endorsement or pollution coverage.
Other Oregon cities
Painter insurance in Oregon · Coverage
Last updated October 15, 2026 · How we research