Dont Hire a Cincinnati House Painter Without Insurance - 365 Renovations 800x500

Don’t Hire a Cincinnati House Painter Without Insurance

Is Your Cincinnati Painter Insured?

You can be liable for accidents and injuries on your property if you hire a painter without insurance.

Every year, over 100,000 Americans receive emergency medical treatment for ladder-related injuries. Work-related fatalities due to falls, slips, and trips increased 1.8 percent in 2022, resulting in 865 deaths.

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Carpentry Repair and Exterior Painting - 365 Renovations - Milton Blue Ash, OH - Exterior peeling paint before

How can you tell if your Ohio painting contractor is properly insured?

  1. Ask for proof of insurance. If a painter won't give it to you, that's a big red flag.
  2. Verify the amounts of coverage and be sure the insurance certificates aren't expired.
  3. Look for a reference to insurance and a warranty in the quote. We guarantee our work with a two-year limited warranty on exterior painting.

Does Ohio require painters to have insurance?

Ohio requires licensed contractors to carry Workers' Compensation and Liability insurance. But, there is no state-level house painting license or registration requirement.

Since few people enjoy paying for insurance if they don't have to, it's quite common for painters in the West Chester - Cincinnati area to do without both Workers' Compensation and Liability insurance.

An uninsured painter is a problem that could end up costing you hundreds of thousands of dollars.

What does workers' compensation insurance cover?

Workers' compensation insurance covers a worker's medical bills and lost wages if they are injured on the job.

The average cost of all workers' compensation claims in 2020-2021 was $41,757, but these claims can be far larger when the injury leads to permanent disability.

What can happen if you hire a painter without insurance?

Insurance protects you by paying for claims when things go wrong.

365 Renovation's liability coverage protects you, for example, in the event that one of our painters causes damage to a neighbor's property while working on your property. It may not seem fair that someone could sue you for a painter's mistake, but it happens.

Our workers' compensation coverage protects you in the event that one of our painters gets hurt while working on your property. Again, it might seem unfair that you'd be the person who would be liable for those damages when this coverage isn't present, but that's the way the Ohio law works.

This is because you, as the homeowner, are considered to be the "prime contractor" who is subcontracting out the work. This makes you liable for a claim when no workers' compensation insurance exists.

Cost to paint a house exterior - Keehner Meadows Cincy OH Exterior Painting
Limewash Brick Exterior Painting - Our Painters on Ladders in West Chester - 365 Renovations

A Note About Ladder Safety

We've never believed in doing the bare minimum, and we don't need lawmakers to tell us that we ought to protect our customers. That's why we've gone above and beyond to secure insurance coverage protection for you and our team.

Though ladders aren't the only hazard we face on the job, it's a big one. According to the American Ladder Institute, falls are in the top 3 of most common disabling workplace injuries. And a whopping $17.1 billion is spent on workplace falls from heights.

March is National Ladder Safety Month. It's the perfect time to review our safe ladder practices each year with the goal of reducing the risk to my painters, and you, as much as possible.

Get Your Quote from a Painting Company That Protects Your Interests

Don't take a chance hiring a painter without insurance. Choose to work with a highly transparent company like 365 Renovations. You'll get a copy of our insurance documentation along with your detailed, written quote.

We carry $2,000,000 in liability insurance coverage and full workers' compensation coverage to protect each and every one of our customers while we're on the job.

Be sure to check out our 20-step exterior painting process and learn about how much it costs to paint a house. We look forward to transforming the exterior of your home with paint!