Painter insurance in South Dakota

South Dakota has 128 painting contractors with employees (Census, 2023) and 670 construction painters on payrolls (BLS, May 2025), plus many self-employed painters. This page covers the state figures, what drives a painter's premium, and city pages.

South Dakota painting trade figures

Census CBP 2023 (NAICS 238320, 238310, 238330, 236118); BLS OEWS May 2025 (47-2141, 47-2082, 47-3014; payroll employees only); Census Building Permits Survey 2024; ACS 2020–2024.

What moves a South Dakota painter's quote

Insurers start with job mix: interior or exterior, residential or commercial, new construction or repaint. Then come working height, the share of work sprayed, pre-1978 housing and lead-safe practices, payroll and subcontractor costs, vehicles and equipment, contract limit requirements, and claims history.

See job types and cost factors.

Regulators

Insurance companies and agents are overseen by the South Dakota Division of Insurance. Contractor registration, licensing, and lead-safe certification are handled by separate state, local, or federal programs.

South Dakota city pages

Ordered by the share of households that rent (ACS), highest first.

• Box Elder
• North Sioux City
• Spearfish
• Mitchell
• Sioux Falls
• Aberdeen
• Rapid City
• Watertown
• Sturgis
• Lead
• Hartford
• Harrisburg
• Tea
• Brandon
• Dell Rapids

Painter 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

More South Dakota communities

Painting contractors anywhere in the state can request a quote. Remaining communities, grouped by population size (largest first within each group) and listed with their counties:

Communities of 10,000 or more (5)

Brookings · Brookings / Yankton · Yankton / Huron · Beadle / Pierre · Hughes / Vermillion · Clay

Communities of 2,500 to 9,999 (9)

Madison · Lake / Belle Fourche · Butte / Hot Springs · Fall River / Milbank · Grant / Mobridge · Walworth / Summerset · Meade / Canton · Lincoln / Winner · Tripp / Lennox · Lincoln

Communities under 2,500 (281)

Chamberlain · Brule / Sisseton · Roberts / Volga · Brookings / Flandreau · Moody / Fort Pierre · Stanley / Redfield · Spink / Beresford · Union / Elk Point · Union / Springfield · Bon Homme / Custer · Custer / Webster · Day / Parkston · Hutchinson / Wagner · Charles Mix / Crooks · Minnehaha / Deadwood · Lawrence / Groton · Brown / Baltic · Minnehaha / Salem · Mccook / Freeman · Hutchinson / Miller · Hand / Parker · Turner / Eagle Butte · Dewey / Gregory · Gregory / Platte · Charles Mix / Clear Lake · Deuel / Britton · Marshall / Garretson · Minnehaha / Clark · Clark / Aurora · Brookings / Lemmon · Perkins / Mission · Todd / Tyndall · Bon Homme / Gettysburg · Potter / De Smet · Kingsbury / Piedmont · Meade / Whitewood · Lawrence / Centerville · Turner / Hill City · Pennington / Ipswich · Edmunds / Arlington · Kingsbury / Martin · Bennett / Worthing · Lincoln / Marion · Turner / Valley Springs · Minnehaha / Howard · Miner / Viborg · Turner / Faulkton · Faulk / Scotland · Bon Homme / Elkton · Brookings / Wessington Springs · Jerauld / Alcester · Union / Estelline · Hamlin / Plankinton · Aurora / Edgemont · Fall River / Eureka · Mcpherson / Philip · Haakon / Castlewood · Hamlin / Armour · Douglas / Lake Andes · Charles Mix / Colton · Minnehaha / Colman · Moody / Wall · Pennington / Alexandria · Hanson / Highmore · Hyde / Woonsocket · Sanborn / Onida · Sully / Canistota · Mccook / Lake Norden · Hamlin / Menno · Hutchinson / New Underwood · Pennington / Avon · Bon Homme / Selby · Walworth / Lake Preston · Kingsbury / Burke · Gregory / Newell · Butte / Kimball · Brule / Humboldt · Minnehaha / Tripp · Hutchinson / Corsica · Douglas / White · Brookings / McLaughlin · Corson / Timber Lake · Dewey / Kadoka · Jackson / White River · Mellette / Bridgewater · Mccook / Dupree · Ziebach / Bryant · Hamlin / Waubay · Day / Emery · Hanson / Bowdle · Edmunds / St. Francis · Todd / Presho · Lyman / Murdo · Jones / Montrose · Mccook / Wolsey · Beadle / Mount Vernon · Davison / Warner · Brown / Jefferson · Union / Hayti · Hamlin / Irene · Turner / Wilmot · Roberts / Big Stone City · Grant / Leola · Mcpherson / Herreid · Campbell / Tabor · Bon Homme / White Lake · Aurora / Oacoma · Lyman / Hurley · Turner / Hermosa · Custer / Gayville · Yankton / Rosholt · Roberts / Hoven · Potter / Ethan · Davison / Faith · Meade / Buffalo · Harding / Wakonda · Clay / Colome · Tripp / Blunt · Hughes / Florence · Codington / Hudson · Lincoln / Stickney · Aurora / Veblen · Marshall / Chancellor · Turner / Bison · Perkins / Iroquois · Kingsbury / Kennebec · Lyman / Roscoe · Edmunds / Langford · Marshall / Summit · Roberts / Bristol · Day / Willow Lake · Clark / Henry · Codington / Keystone · Pennington / Bonesteel · Gregory / Egan · Moody / Trent · Moody / Pukwana · Brule / Gary · Deuel / Pickstown · Charles Mix / New Effington · Roberts / Pollock · Campbell / Alpena · Jerauld / Bruce · Brookings / Nisland · Butte / Frederick · Brown / Tulare · Spink / Wessington · Beadle / Doland · Spink / Toronto · Deuel / Mellette · Spink / South Shore · Codington / Hecla · Brown / Mission Hill · Yankton / Roslyn · Day / Peever · Roberts / Wentworth · Lake / Kranzburg · Codington / Monroe · Turner / Ramona · Lake / St. Lawrence · Hand / Hosmer · Edmunds / Letcher · Sanborn / Volin · Yankton / Columbia · Brown / Isabel · Dewey / Buffalo Gap · Custer / Delmont · Douglas / Dimock · Hutchinson / Geddes · Charles Mix / Goodwin · Deuel / Conde · Spink / Spencer · Mccook / Artesian · Sanborn / Badger · Kingsbury / Northville · Spink / Frankfort · Spink / Astoria · Deuel / Cavour · Beadle / Carthage · Miner / Reliance · Lyman / Oelrichs · Fall River / Pierpont · Day / Java · Walworth / Brandt · Deuel / Oldham · Kingsbury / Lesterville · Yankton / Yale · Beadle / Midland · Haakon / Central City · Lawrence / McIntosh · Corson / Glenham · Walworth / Pringle · Custer / Claremont · Brown / Hitchcock · Beadle / Stockholm · Grant / Ashton · Spink / Fairfax · Gregory / Cresbard · Faulk / Sinai · Brookings / Harrold · Hughes / Hazel · Hamlin / Revillo · Grant / Canova · Miner / Wallace · Codington / Eden · Marshall / Brentford · Spink / Dallas · Gregory / Fulton · Hanson / Westport · Brown / Akaska · Walworth / Claire City · Roberts / Fruitdale · Butte / Herrick · Gregory / Sherman · Minnehaha / Batesland · Oglala Lakota / Bushnell · Brookings / Dante · Charles Mix / Ravinia · Charles Mix / Corona · Roberts / Utica · Yankton / Agar · Sully / Andover · Day / Camp Crook · Harding / Fairburn · Custer / Bradley · Clark / Fairview · Lincoln / Mound City · Campbell / Strandburg · Grant / Interior · Jackson / Olivet · Hutchinson / Wasta · Pennington / La Bolt · Grant / Quinn · Pennington / Stratford · Brown / Brant Lake · Lake / Raymond · Clark / Davis · Turner / Ree Heights · Hand / New Witten · Tripp / Vienna · Clark / Turton · Spink / Orient · Faulk / Ortley · Roberts / Nunda · Lake / Lane · Jerauld / Twin Brooks · Grant / Grenville · Day / Lake City · Marshall / Morristown · Corson / Belvidere · Jackson / Draper · Jones / Ward · Moody / Wood · Mellette / Naples · Clark / Erwin · Kingsbury / Tolstoy · Potter / Dolton · Turner / Garden City · Clark / Altamont · Deuel / Lebanon · Potter / Broadland · Beadle / Long Lake · Mcpherson / Vilas · Miner / Virgil · Beadle / Seneca · Faulk / Chelsea · Faulk / Marvin · Grant / Hetland · Kingsbury / Rockham · Faulk / Farmer · Hanson / Onaka · Faulk / Bancroft · Kingsbury / Wetonka · Mcpherson / Cottonwood · Jackson / Albee · Grant / Artas · Campbell / White Rock · Roberts / Butler · Day / Lowry · Walworth / Verdon · Brown / Hillsview · Mcpherson

Painting contractor questions: South Dakota

Sources: Census County Business Patterns (https://www.census.gov/programs-surveys/cbp.html); BLS OEWS (https://www.bls.gov/oes/); Census Building Permits Survey; American Community Survey 2020–2024.

Request a South Dakota painting contractor quote

Last updated October 15, 2026 · How we research