Three questions to ask about your coverage

1. What could go wrong? For painting and wall covering contractors, it’s often overspray, drips on furniture and floors, ladder accidents involving others, and property damage. Painters work right next to the client’s belongings, so property damage claims come up often.

2. Do I need GL or a BOP? General liability handles third-party bodily injury, property damage and (for most classes) personal and advertising injury, with per-occurrence limits of $300K, $500K, $1M or $2M. A BOP adds property and business income protection. A BOP can protect your shop and add contractor tool limits.

3. Will my business qualify? Contractors: eligibility runs to $5M in revenue and 15 employees, and the appetite excludes general contractors, paper contractors, firms whose subcontractor costs top half of revenue, equipment rental to others and exterior work above three stories. Exterior work above three stories is outside the appetite. Coterie generally accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited losses in the past five years and no prior cancellations. Startups and home-based businesses can qualify too.

Where this class ranks with Coterie

Painting and Wall Covering Contractors is #15 on Coterie’s Top 100 classes list (December 2025), so it’s one of the business types Coterie writes most often.

What comes with a Coterie policy

You can get an instant quote, bind online and get certificates right away. Policyholders also have free access to Manage My Risk, which includes risk assessments, safety guides and compliance checklists you can use with your team.

Coverage is subject to underwriting and availability.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama painting and wall covering contractors.