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Painting Contractor Insurance · C-33

Painting insurance for every coat.

General liability, workers' compensation, commercial auto and CSLB bonds for interior and exterior painting contractors.

By Sam Alishahi · CA Insurance License #4348151 · Reviewed November 2026 · En español · How this page is researched

How it works

What painters need covered

Painters face ladder and scaffold falls, overspray on cars and neighboring homes, and damage to finished interiors. General contractors and property managers will ask for a certificate before you start.

Workers' comp is required as soon as you have employees, and California's 2028 law will require it for all contractors. I place painting contractors with carriers that write the trade, including spray and high-work exposures.

  • General liabilityOverspray, spills and damage to property.
  • Workers' compRequired with employees, and for all contractors from 2028.
  • Commercial autoTrucks and vans that carry crews and materials.
  • License bondThe bond CSLB requires.
Who I help

Painting situations I'm called for

Residential repaints

Interior and exterior work on homes.

Commercial and HOA work

Property managers and associations. HOA insurance

Spray painting

Overspray exposure disclosed correctly.

Lead paint work

Older homes and lead-safe practices. See details

Preparing for 2028

Workers' comp before the law changes. The 2028 workers’ comp change

License bond

CSLB contractor license bonds. See details

Before you call

What underwriters will ask

Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.

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  • License: CSLB number and classifications.
  • Work: interior, exterior, residential or commercial.
  • Methods: spraying, sandblasting or lead paint.
  • Height: the tallest buildings you paint.
  • Payroll and revenue: employees and gross receipts.
  • History: current policies and claims.

The C-33 scope, word for word

In California, CSLB's C-33 Painting and Decorating Contractor classification (Title 16, Division 8, Article 3) says a painting and decorating contractor "prepares by scraping, sandblasting or other means and applies" paints, papers, textures, fabrics, varnishes, shellacs, stains, fillers, waxes, adhesives and the other listed materials "to the surfaces of structures and the appurtenances thereto for purposes of decorating, protecting, fireproofing and waterproofing." Other states define painting work their own way, so check your state's contractor board.

Two parts of that wording matter when I describe a painter's operations to an underwriter:

  • Surface prep is part of the trade. Scraping and sandblasting are named in the scope, and they come back in the lead rules below: EPA restricts blasting on painted surfaces, and Cal/OSHA lists manual scraping and abrasive blasting as trigger tasks. If your crews blast, name it on the application.
  • Fireproofing and waterproofing count. If you apply fireproofing or waterproofing coatings, describe them separately so the rated operations match your work.

EPA's lead rule on pre-1978 jobs

The federal Renovation, Repair and Painting (RRP) rule, 40 CFR 745 Subpart E, applies to renovations performed for compensation in target housing and child-occupied facilities. Target housing is housing built before 1978, except housing for the elderly or persons with disabilities and 0-bedroom dwellings, unless a child under 6 lives or is expected to live there. A child-occupied facility is a pre-1978 building, or part of one, visited regularly by the same child under 6 (at least two days a week, 3 hours a visit, 6 hours a week and 60 hours a year), such as a day care, preschool or kindergarten classroom. What the rule requires:

  • Firm and person. The firm must be EPA-certified, and a certified renovator must be assigned to each renovation. Everyone else doing renovation work for the firm must be a certified renovator or trained by one. EPA says this includes sole proprietorships.
  • Minor repair line. Work that disturbs 6 square feet or less of painted surface per room inside, or 20 square feet or less outside, is not a renovation under the rule, unless it involves window replacement, demolition of painted surfaces or a prohibited practice. Jobs in the same room within 30 days count as one job.
  • Prohibited practices. No open-flame burning or torching of painted surfaces. No high-speed sanding, grinding or blasting unless the machine has a shroud or containment system and a HEPA vacuum attachment. Heat guns only below 1,100 degrees Fahrenheit.
  • Paperwork. Give the owner EPA's Renovate Right pamphlet no more than 60 days before work starts, and keep compliance records for 3 years after the renovation is done.

The rule does not apply where the affected components have been tested and found lead-free in one of the ways section 745.82(a) allows. California is not on EPA's list of states authorized to run their own RRP program, so EPA certifies firms working here. EPA notes that if you work in more than one state, you may need both EPA and state certification.

California's CDPH lead certification is a separate credential

The California Department of Public Health runs its own Lead-Related Construction (LRC) certification. It is not EPA's RRP certificate, and CDPH says training alone does not count as LRC certification. Its page lists when certification is required:

  • Being paid for lead inspections, risk assessments or clearance inspections in residential or public buildings.
  • Designing plans to abate lead-based paint, lead dust or lead soil (Lead Supervisor or Project Monitor), or doing work designed to reduce or eliminate them (Lead Supervisor or Worker).
  • Inspecting for lead or reducing lead hazards in a public elementary school, preschool or daycare center (Education Code section 32243(b)).
  • Work in residential or public buildings at the airborne-lead level covered by Cal/OSHA's lead standard (below), plus HUD projects and jobs whose specifications require it.

CDPH says certification is not required for interim controls designed to last less than 20 years, though other Title 17 rules still apply. If a bid packet asks for CDPH-certified workers, confirm who on your crew holds it before you bid. If you take on lead reduction work, look at pollution liability too.

Cal/OSHA's lead standard, section 1532.1

Title 8, section 1532.1 covers all construction work where an employee may be exposed to lead, and it defines construction to include painting and decorating. Under the current text (amendments filed April 8, 2024, effective January 1, 2025), the action level is 2 micrograms per cubic meter of air and the permissible exposure limit is 10, both as 8-hour time-weighted averages. For abrasive blasting the limit is 25 until January 1, 2030. Every covered employer must first determine whether any employee may be exposed at or above the action level.

Until an exposure assessment is done, the employer must treat workers on these trigger tasks, where lead paint is present, as exposed above set levels and provide interim protection such as respirators and protective clothing:

  • Level 1: manual scraping, heat gun use, manual demolition such as drywall.
  • Level 2: manual sanding, power-tool cleaning, grinding or sanding with dust collection, and spray painting with lead paint.
  • Level 3: power-tool work without dust collection, abrasive blasting, torch burning.

Subsection (l)(3) requires CDPH certification for employees and supervisors in lead-related construction work who "have been shown to be exposed to lead at or above 50 µg/m3 as an 8-hour TWA." CDPH's page still calls 50 the PEL; under DIR's current text, 50 is this certification trigger and the PEL is 10. When I submit workers' comp for a painter, I list which of these tasks the crew does and whether exposure assessments are on file.

Reading the CGL for lead and your own work

What to read for in a general liability quote, based on IRMI's descriptions of the standard forms:

  • The pollution wording. IRMI notes the standard post-1986 ISO exclusion still preserves some coverage, including certain off-premises work by contractors. The total pollution endorsements CG 21 49, CG 21 55 and CG 21 65 eliminate virtually all of it, with different exceptions. If one is attached, ask which one.
  • Lead by name. Courts split on whether lead is a pollutant. In a landlord's CGL case, Georgia's Supreme Court held in 2016 that lead-based paint was one; IRMI notes a 1995 Maryland appellate decision held it was not. A separate lead exclusion endorsement takes the question off the table, so look for one.
  • "That particular part." Exclusions j(5) and j(6) remove property damage to the particular part of real property you are working on, or that must be redone because your work was done wrong. Courts disagree on how far the phrase reaches, from only the component you worked on to everything within your work, so read it alongside your contracts.
Questions

Painting contractor insurance, answered

Does liability cover overspray on a car?

Damage to other people's property caused by your work is generally covered by general liability, subject to the policy terms.

Do painters need workers' comp?

Yes, with employees. From 2028, California will require it for all licensed contractors.

What about lead paint?

Many liability policies exclude pollution, including lead. Contractors pollution liability can fill that gap.

Can I get a certificate the same day?

Often yes, once a policy is bound.

How long does EPA RRP certification last?

A firm's EPA certificate expires no more than 5 years after approval, and EPA says to apply for re-certification at least 90 days before it expires. A renovator who takes a refresher with hands-on training is certified for 5 years; a refresher without hands-on training gives 3 years.

Do you offer painting contractor insurance outside California?

Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.

Painting contractor insurance

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Your CSLB number, payroll and revenue are enough to start.

Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).

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