Painter insurance
Lead-safe work and pollution coverage
Homes built before 1978 may contain lead-based paint. Sanding, scraping, or heat-gunning those surfaces can spread dust, and that creates claims a standard liability policy may exclude.
The EPA Renovation, Repair and Painting rule
The federal RRP rule requires certified firms and renovators, lead-safe work practices, and recordkeeping when painted surfaces are disturbed in pre-1978 housing and child-occupied facilities. Some states run their own programs. Insurers ask whether you are certified and keep records.
Pollution liability for painters
- Lead dust contamination of a home
- Solvent spills reaching soil or storm drains
- Fumes affecting occupants of an office building
- Mold growth after a coating traps moisture
Request pricing for contractor pollution liability.
Frequently asked questions
Does general liability cover lead paint claims?
Many policies exclude lead. Contractor pollution liability or a lead endorsement may be needed.
Do I need RRP certification?
Firms that disturb painted surfaces in pre-1978 homes and child-occupied facilities generally need EPA RRP certification, and so do their renovators.
Is mold covered?
Often excluded; ask about pollution coverage that includes mold.
More coverage and guides
- General liability for painters
- Overspray and property damage
- Lead-safe work and pollution coverage
- Ladders, scaffolds, and workers' comp
- Tools and equipment coverage
- Commercial auto for painting vans
- Painting job types and insurance
- Subcontracted painters and certificates
- Insurance clauses in painting contracts
- What affects painter insurance cost
- Painter application checklist
Last updated October 15, 2026 · How we research