Waco, TX
Insurance for Waco, TX painters
Liability, workers' comp, and equipment coverage for Waco painting contractors. A quote is not a binder.
Census figures for 2023 list 16 employer painting contractors in Mclennan County, 1.1% of Texas's total. Waco has roughly 146,608 residents and a housing stock that keeps those crews busy.
Painting and finish trades in Mclennan County
| Census CBP 2023 | Mclennan County | Texas |
|---|---|---|
| Painting and wall covering contractors | 16 | 1,468 |
| Painting contractor employees | 85 | 23,652 |
| Painting contractors with 1–4 employees | 10 | 1,030 |
| Drywall and insulation contractors | 13 | 1,206 |
| Flooring contractors | 7 | 818 |
| Residential remodelers | 67 | 6,224 |
CBP 2023 establishment and employment counts; nonemployer painters excluded.
Painting contractors in Mclennan County reported about $4,355,000 in 2023 payroll, or roughly $51,235 per employee against $54,933 statewide. Workers' compensation for painters is priced on payroll, so this is the number an insurer starts from.
Alongside painters, Mclennan County has 13 drywall and insulation contractors, 7 flooring contractors, 67 residential remodelers. Shared job sites mean shared risk; see contract insurance clauses.
What Waco homes ask of a painting crew
Waco's housing is older than Texas's as a whole (median 1979 versus 1992). Repainting newer homes leans on prep, caulking, and careful masking more than paint removal.
Renters occupy 51% of Waco's households. Across 61,163.0 homes, turnover painting for landlords is steady work that often comes with a written vendor agreement and insurance requirements.
Single-family houses make up 61% of Waco's housing (Texas: 67%). Detached homes drive exterior repaint work, with ladders, siding, trim, and landscaping all in play.
Builders across Texas pulled permits for 225,756 new housing units in 2024, 158,121 of them single-family (Census Building Permits Survey). New construction painting usually comes with additional insured and completed-operations requirements.
76% of Waco workers drive alone to work and 6% commute 45 minutes or more. Painting crews spend the same hours on the road, and a work van needs commercial auto coverage.
Work-from-home share in Waco is 10%, below the Texas figure of 14%. More people at home during the day changes how crews protect furniture and contain fumes.
American Community Survey 2020–2024 (tenure, structure type, year built, commuting, vehicles); Census 2024 population estimates; Census Building Permits Survey.
In May 2025, BLS counted 18,330 painters and 220 drywall tapers on Texas payrolls, median painter wage $45,460. Those figures cover employees only.
62% of Mclennan County's employer painting contractors have fewer than five employees. Small shops often run without a dedicated safety manager, so simple written habits, ladder checks, and job photos carry extra weight with insurers.
Practical risk notes for Waco crews
- Collect certificates from every subcontractor before they start.
- Photograph floors, furniture, and nearby cars before starting.
- Contain pressure-washing runoff away from storm drains.
- Keep heat guns and torches away from hidden framing.
Painters hiring help in Waco should review subcontractors and certificates and workers' comp for painters.
Waco compared with nearby cities
Houston (Harris County) sits in a county with 193 painting contractors. San Antonio (Bexar County) sits in a county with 109 painting contractors. Of our 30 Texas city pages, Waco ranks 5th for oldest housing stock.
Preparing a Waco painter quote
- Claims history: Any prior claims
- Height: Maximum working height and lifts
- Payroll: Employees, helpers, and payroll
- Equipment: Sprayers, ladders, and rentals
- Subcontractors: Costs and certificates
- Vehicles: Vans, trucks, and drivers
Waco painter insurance FAQ
Which policies do Waco painters carry?
Liability, workers' comp, commercial auto, tools and equipment, and often contractor pollution liability.
How many painting contractors work near Waco?
County Business Patterns counted 16 painting contractors with employees in Mclennan County in 2023. Self-employed painters are not included.
Do Waco painters need lead coverage?
The median Waco home was built in 1979. Homes built before 1978 may contain lead paint, and many liability policies exclude it. Ask about a lead endorsement or pollution coverage.
Painter pages near Waco
Painter insurance in Texas · Coverage
Last updated October 15, 2026 · How we research