The claim that travels on the wind
Overspray is the defining C-33 claim. Airborne paint doesn’t respect property lines — it finds parked cars, windows, roofs, and the neighbor’s patio furniture, and a single breezy afternoon can generate a dozen claims at once. Inside, it’s the gouged floor, the stained carpet, the ladder through the picture window. All of it is exactly what your General Liability’s property-damage coverage exists for.
The crew side matters too: exterior work on ladders, scaffolds, and lifts is where painting injuries happen, and it’s what drives your Workers’ Comp pricing — interior repaint crews rate very differently from exterior high-work crews. We quote the operation you actually run, with instant certificates for every GC and property manager that asks.
The painter coverage stack
- General Liability — $1M/$2M for overspray and property-damage claims
- Workers’ Compensation — required for every CSLB licensee since 2026
- Commercial Auto — vans and trucks hauling crews, sprayers, and stock
- Inland Marine — sprayers, lifts, scaffolding, and the gear in the van
- CSLB license bond — the $25,000 bond your C-33 license requires
- Excess & Umbrella — for commercial and HOA contracts asking $2M+