Workers’ Compensation for Painters And Wallpaper Hangers
Getting paint on your clothes is an inconvenient, but expected part of working in the painting industry. As you grow your business, you must prepare yourself to expect the unexpected. Scaffolding, ladders, toxic chemicals, and other potentially hazardous home construction or renovation materials can set up the perfect scene for a workplace accident or illness to occur.
You’ll want to ensure that the team of painters you’ve assembled doesn’t fall into an accident waiting to happen, resulting in a costly liability for your business. It is essential that your business Workers’ Compensation policy has your business covered as well as a freshly painted wall.
Choose Cerity when it comes to providing Workers’ Comp coverage for your employees. We’re not just experts in Workers’ Compensation insurance for your painting business — we’re experts at helping painting business owners manage their premiums and keep their employees safe.
Workers’ Comp Insurance for Painting & Wallpaper Hanging Businesses
You’ve put together a team of detail-oriented painters, with strong color vision, and impressive customer-service skills. Your team is valuable to you, and you want to be able to take care of them. It’s important for your painting or wallpaper hanging business to be protected if an employee experiences a workplace accident.
Workers’ Comp for painting and wallpaper hanging businesses helps business owners cover for potentially costly on-the-job-related incidents, resulting in medical care or legal fees. It also provides financial compensation for injured employees during the sustained injury and recovery period.
Painting and Wallpaper Hanging Employee Injuries
Painting and wallpaper hanging jobs pose many potential hazards to employees. Working with ladders and scaffolding to reach the tippy-top corners and crevices can cause employees to suffer from slip and fall injuries, strains and sprains due to repetitive movements in long-held positions, rotator-cuff tears, eye injuries, and more.
Painting as a professional contractor may seem like light work to others, but Cerity knows, as well as you, that the risks involved when working with painting equipment and materials can result in severe injuries, leaving workers incapacitated for prolonged periods of time. That’s why we’re committed to protecting your business from the financial effects of these injuries. Our Workers’ Compensation insurance helps cover costs related to:
- Emergency care
- Ambulance Services
- Continuous Medical Care and Treatments
- Lost wages
What happens, though, if an employee is injured on the job? The short answer is it can be costly and litigious if you’re not properly insured.
Painting and Wallpaper Hanging Liabilities
If an employee gets injured while on the job, your business could be held liable for covering the costs related to the incident. Most states mandate that contractor painting & wallpaper hanging business owners have professional insurance that offers financial coverage for employees in the event of an accident. Regardless of your state’s commercial insurance requirements, it’s imperative that you protect yourself from potentially damaging costs of an employee injury.
No matter the size of your team of interior painters, all contractual painting establishments and companies should have Workers’ Comp coverage to minimize the damaging effects of these liabilities:
- Court costs
- Attorney fees
- Settlement payments
- Other related legal fees
Cerity offers a variety of policies for painting businesses that cover medical, rehabilitation, and disability benefits for painters who become injured as a direct result of their job. For more information about more specific job-related injuries, one of our representatives will gladly help answer any questions you may have.
Risk Management for Painting and Wallpaper Hanging Businesses
“Safety first” should be the motto in any professional contractor industry that has the potential for so many things to go wrong. Instituting policies that prioritize safety is one way to accomplish just that. Taking proactive measures can help ensure workplace safety, but it can also benefit your business by lowering insurance premiums. That’s because insurance companies often utilize risk management tools to determine the cost, or premium, of Workers’ Comp insurance. When it comes to risk management and safety in the painting industry, the best defense is a good offense.
Workers’ Comp Rate for Painters
Insurance premiums for painters and wallpaper hangers vary depending on a variety of factors unique to your small business. Local laws and regulations according to your location, the nature of your work, a history of incidents, and who is on your employee payroll will affect your premium rates. Still, the benefits of having quality Workers’ Comp coverage far outweighs the cost, especially when a major employee injury could require hundreds of thousands of dollars in compensation expenses.
Additionally, employees whose work falls under painting or paperhanging are classified under code 5474. It can include shop workers, drivers, and the actual painters or paperhangers. Painting or hanging projects that apply to commercial and residential properties are included in this category. It can include interior or exterior work and is not limited to only painting, but may also include installations, paint surface preparation, patchwork and repairs, or any other necessary prior and post-painting procedures. Rates will vary depending on if your painters fall under this classification, so be sure to provide accurate information during the ratemaking process.
Cerity provides competitively priced Workers’ Comp for painters at a pace that keeps up with your growing business. We can offer premium services at affordable rates thanks to our use of proprietary tools and modern technology. Get an estimate for a quote in as little as three minutes using our intelligent pricing with readily available coverage. To get a free quote online, visit our Workers’ Comp quote tool.