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John Fleming Insurance - Burnaby BC Insurance Broker

Get the right painting contractor insurance coverage with real help.

Liability, tools, and job site certificates for BC painters.

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Painting work carries exposures that general contractor policies do not always address well. Overspray, solvent storage, ladder and swing stage work, and older buildings with lead or asbestos all change what an insurer will write and on what terms.

We arrange insurance for painting contractors across Burnaby, the Lower Mainland, and all of British Columbia, from one-person operations to crews running multiple job sites. As an independent broker we compare markets, and we read the wording with you so you know where your limits and exclusions actually sit before you are on a site.

Residential, commercial, interior, exterior, new construction or repaint. If you are not sure what your current policy does, send it to us and we will go through it.

Coverage Options

Third party bodily injury and property damage arising from your work.

Sprayers, compressors, ladders, staging and hand tools, on site and in transit.

Damage to the building or contents you are working on, which is often handled differently from general liability.

Work vehicles and trailers used to carry crew, equipment and materials.

Proof of coverage issued for general contractors, property managers and strata councils, usually same day.

Not sure your current policy fits the work you actually do? Send it over and we will review it.

Frequently Asked Questions

Most painting contractors carry commercial general liability as the base, plus coverage for tools and equipment and a commercial auto policy for work vehicles. What else makes sense depends on crew size, whether you work at height, and whether you handle the property you are painting. We will walk through your setup and tell you what is worth adding and what is not.

Overspray onto vehicles, neighbouring buildings and landscaping is one of the most common painting claims, and the way it is handled varies a lot between policies. Some wordings limit or exclude it. Do not assume it is covered. Send us your policy and we will find the relevant wording and show you exactly where you stand.

Work on pre-1990 buildings can raise lead and asbestos exposures, and many policies restrict or exclude hazardous material claims. It also affects which insurers will quote you. Tell us upfront if you take this work on, because it changes the market and the wording, and finding out after a claim is the expensive way to learn.

Most general contractors, property managers and strata councils require proof of commercial general liability at a set limit, plus WorkSafeBC clearance, before you start. Requirements vary by site. Send us the certificate request and we will issue what they are asking for.

Almost always, yes. Working under a general contractor does not automatically extend their policy to you, and most will require you to carry your own before they hire you. Coverage for a solo painter is usually straightforward and priced accordingly.

Not sure your current policy fits the work you actually do? Send it over and we will review it.

Trusted by Burnaby businesses for over 40 years.

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Let's get your quote started. We can walk you through the steps.

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