Painting contractors work at heights, handle chemical products, and perform repetitive physical labor. Workers comp is required for painting businesses with employees in virtually every East Coast state, and painting rates can vary significantly depending on the type of work your crew performs.
Interior vs. Exterior Painting Rates
Interior painting typically carries a lower class code rate than exterior painting because exterior work involves ladders, scaffolding, and working at heights. If your business does both, payroll should be separated between the two types of work so you are not paying the higher exterior rate on all employees.
Chemical and Respiratory Exposure
Painters work with paints, solvents, primers, and strippers that create respiratory and skin exposure risks. Long-term occupational illness claims can emerge from years of chemical exposure. Workers comp covers these conditions when they are work-related, making proper coverage essential even for businesses with few acute injuries.
Residential vs. Commercial Painting
Commercial painting on large structures or new construction carries different class codes than residential interior repainting. Getting your employees classified under the correct code for the actual work they perform is important for accurate pricing.
Get a Free Painters Workers Comp Quote
Comp Matters Inc. writes workers comp for painting contractors across the East Coast. Call (631) 248-2500 for a free quote today.
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