Hiring an uninsured painter leaves homeowners open to expensive mistakes or liabilities. In most states, painting professionals must carry insurance to protect their customers from such issues.
Personal Liability
If the painting contractor hires freelance painters or day laborers for a home-painting project without providing liability insurance such as workers' compensation, the homeowner faces potential liability if a worker receives an injury on the job, according to Fresh Coat Painters. Homeowners must ensure the contractor's insurance covers all employees.
Contractor Liability
Painting contractors who do not insure their painters probably do not have a regular painting staff, as most states require contractors to carry insurance for their regular employees. These workers may have little or knowledge of painting so that even an experienced painting contractor cannot guarantee or control the quality of the employees' work, according to Fresh Coat Painters.
Quality Indicators
Insurance helps to confirm a painter's professional legitimacy, according to ConsumerSavvyTips.org. Amateur or part-time painters do not generally take the step of purchasing liability insurance or becoming bonded as a professional would, so an uninsured painter may have no significant track record for doing a good job.
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