A class Coterie knows well

On Coterie’s own Top 100 classes list from December 2025, Painting and Wall Covering Contractors is ranked #15. In other words, this is a business type Coterie actively writes.

Where claims come from

Watch for 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. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

Two ways to protect the business

General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

Business owner’s policy (BOP): A BOP can protect your shop and add contractor tool limits. Bundling everything in one policy keeps renewals and certificates simple.

Appetite notes for this class

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. General eligibility: up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K), and no prior cancellations or non-renewals.

The service side

Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

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 South Carolina painting and wall covering contractors.