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Paint and Wallpaper Store Insurance
Paint, Wall Coverings and Wall Paper Store
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Why do paint stores need insurance?
If a customer trips over a bucket of paint, you could end up paying for costly medical bills or legal fees. Business insurance covers costs from customer accidents, employee injuries, burglaries, and data breaches, so you can focus on running your paint shop.
Find the right coverage
Insureon helps paint and wallpaper store owners find insurance that matches their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of insurance do paint and wallpaper shops need?
These policies protect paint and wallpaper stores against common risks.
Business owner’s policy
A BOP bundles commercial property coverage and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a small paint store.
BEST FOR
- Slip-and-fall injuries
- Business interruption incidents
- Damaged or stolen business property
General liability insurance
A general liability policy covers the most common third-party risks at a paint shop, including slip-and-fall injuries. Bundle it with commercial property insurance for savings in a BOP.
BEST FOR
- Accidental customer injuries
- Customer property damage
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for paint and wallpaper stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
This policy helps paint and wallpaper shops recover financially from data breaches and cyberattacks. It's also called cyber liability insurance or cybersecurity insurance.
BEST FOR
- Data breach customer notifications
- Data breach investigations
- PR campaigns after a breach
Commercial umbrella insurance
When a paint and wallpaper store reaches the policy limit on a claim, umbrella insurance (similar to excess liability insurance) boosts coverage on general liability, commercial auto, or employer’s liability insurance.
BEST FOR
- Bodily injury lawsuits
- Product liability lawsuits
- Auto accident lawsuits
Commercial auto insurance
Most states require a commercial auto policy for business-owned vehicles. It covers costs if a vehicle owned by your paint shop gets into an accident.
BEST FOR
- Injuries caused to another person
- Physical damage to another vehicle
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does business insurance cost for retail stores?
A paint shop with only a few employees won't have to pay a lot for business insurance.
Factors that affect your premiums include:
- Retail products offered, such as paint, primer, brushes, and wallpaper
- Services offered, such as painting or wallpapering
- Business property and equipment
- Types of coverage purchased
- Policy limits and deductibles
- Additional insured endorsements
How do I get business insurance for paint and wallpaper stores?
It's easy to get business insurance for your paint and wallpaper store if you have your shop's information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees.
You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed agents work with top-rated U.S. insurance companies to find coverage that matches your specific needs, whether you work independently or hire employees.
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FAQs about paint store insurance
Review answers to frequently asked questions about paint shop insurance.
Do paint stores need product liability insurance?
All retailers, manufacturers, and distributors of products should carry product liability insurance. That's because every business in the supply chain—including your paint and wallpaper store—could be held liable for damages caused by a defective product.
General liability insurance typically includes this coverage. It can help pay for legal fees, medical costs, and property repairs resulting from:
- Manufacturing defects
- Design defects
- Marketing defects
For example, a customer might file a lawsuit if the paint they used on their house blisters or fails to adhere properly. If they get ill from paint fumes, they might sue if the paint can's label failed to have the proper warnings on it.
Even when you have insurance coverage, it's important to reduce your product liability risks as much as possible. A claim could force you to pay a fortune in legal costs, even if the defect wasn't your fault. Liability claims also make your premiums go up, which is another good reason to avoid them.
Does paint and wallpaper store insurance protect against theft?
Yes, there are business insurance policies that cover theft of computers, cash, inventory, and other items from your paint and wallpaper store.
- Commercial property insurance, included in a business owner's policy, covers costs in the event of a smash-and-grab burglary, vandalism, or other property loss.
- Commercial crime insurance provides protection in the event of employee theft. Also called employee dishonesty coverage, you can add it to your property policy or BOP insurance package.
Don't forgo installing a security system to prevent theft, even if you have insurance. Along with keeping you and your employees safe, you can save money on your policy with the right security measures in place.
What other types of insurance should paint and wallpaper shops carry?
Depending on your store’s unique risks and exposures, you may want to consider these additional policies:
- Business income insurance covers your financial losses when a fire or other covered property claim forces your shop to close temporarily. It's also called business interruption insurance.
- Equipment breakdown coverage pays for losses related to the sudden failure of specialized equipment, such as your point of sale system.
- Electronic data processing insurance helps you recover financially from lost data, such as a fire that destroys your database of customer information.
- Pollution insurance, also called environmental liability insurance, can pay for cleanup and fines in the event of hazardous pollution caused by your paint store.
- Hired and non-owned auto insurance (HNOA) covers personal, leased, and rented vehicles used for business purposes.
If you need help finding the right coverage, contact a licensed agent for advice.