Overspray Claims-Insurance Coverage Issues


If an overspray accident does occur, is the painter/contractor covered? Unfortunately, many business owners discover too late that their existing insurance policy may not adequately cover an overspray loss.

Inadequate insurance coverage for large overspray claims can do more than put a strain on a business… it can put you out of business! It is crucial that contractors take the time to read the fine print and discuss their policy with their agent.

Questions to ask your insurance agent:

  • Are there exclusions or limitations for overspray incidents?
  • Is the deductible applied per incident or per claim (i.e. per vehicle)?
  • Confirm the elevation coverage limitations of your policy meet your job site particulars.

It is highly advisable for contractors to review their policy regularly.  Better safe than sorry.



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