Painter Quote Prep Checklist

Business: ________________ State: ________________ Main painting work: ________________

Fill in these items before requesting general liability quotes.

• Legal business name and any trade names: ______________________________
• Business mailing address: ______________________________
• Years in business: ______________________________
• Owner contact name, phone, and email: ______________________________
• Entity type, such as sole proprietor, limited liability company, or corporation: ______________________________
• Current general liability carrier, if any: ______________________________
• Current policy dates, if any: ______________________________
• Reason for quote request: new business, renewal, contract, landlord, license, or job bid: ______________________________

Describe the painting work the insurer will review.

• Percent residential interior work: _______%
• Percent residential exterior work: _______%
• Percent commercial interior work: _______%
• Percent commercial exterior work: _______%
• Highest usual working height: ______________________________
• Ladders, scaffolding, lifts, or swing stages used: ______________________________
• Spray painting, sandblasting, power washing, or surface preparation: ______________________________
• Industrial, bridge, tank, tower, or confined-space work: ______________________________
• Work on pre-1978 buildings or possible lead paint disturbance: ______________________________
• Solvents, flammable materials, fumes, runoff, or cleanup exposure: ______________________________

Insurance companies commonly ask for these facts when pricing painter general liability.

• Estimated annual revenue from painting work: $______________________________
• Annual payroll for owners and employees: $______________________________
• Number of owners active in the work: ______________________________
• Number of full-time employees: ______________________________
• Number of part-time or seasonal employees: ______________________________
• Typical crew size on a job: ______________________________
• Annual subcontractor cost: $______________________________
• Do subcontractors carry their own general liability insurance? ______________________________
• Do subcontractors name your business as additional insured when required? ______________________________
• States where the business performs painting work: ______________________________

Use this section when a client, property manager, owner, or general contractor asks for proof of insurance.

• Desired general liability limit per occurrence: $______________________________
• Desired general liability aggregate limit: $______________________________
• Deductible or self-insured retention shown in quote options: $______________________________
• Contract asks for additional insured wording: yes / no / not sure
• Contract asks for primary and noncontributory wording: yes / no / not sure
• Contract asks for waiver of subrogation: yes / no / not sure
• Contract asks for completed operations coverage: yes / no / not sure
• Contract asks for umbrella or excess liability: yes / no / not sure
• Certificate holder name and address: ______________________________
• Certificate due date or job start date: ______________________________

List prior claims and exposures that may need a policy beyond general liability.

• Prior property damage, injury, fire, pollution, or lead-related claims in the past five years: ______________________________
• Open claims or unresolved disputes: ______________________________
• Employee injury exposure that may need workers compensation: ______________________________
• Work vehicles that may need commercial auto coverage: ______________________________
• Ladders, sprayers, compressors, scaffolding, and tools that may need equipment coverage: ______________________________
• Disputes about design advice, color selection, specifications, or service quality that may need professional liability review: ______________________________
• Lead, fumes, overspray, runoff, transport spills, or cleanup exposure that may need pollution liability review: ______________________________