Insurance for Painters, Cabinet Installers & Finishers in Washington

Protection for the Finishing Touches That Make All the Difference

Whether you’re painting interiors, installing built-ins, or handling fine finishing work, your craft is detailed—and so are the risks. From property damage to injury claims, a single oversight can mean real consequences for your business.



At Strategy Insurance Brokers LLC, we help painters, cabinet installers, and finishing contractors throughout Washington get the protection they need without the extra fluff. We know the work, we know the exposures, and we’ll help you find insurance that supports your day-to-day.

Who We Work With

We support finishing professionals in a range of trades, including:

  • Interior & Exterior Painters
  • Finish Carpenters
  • Custom Cabinet Installers
  • Trim & Molding Specialists
  • Drywall Finishers
  • Small Finishing Crews & Subcontractors

Coverage Options for Painting & Finishing Contractors

Every business has different needs—but these are the coverages most often included:

General Liability

Covers jobsite damage, third-party injuries, and completed work claims—common risks in finish work.

Workers Compensation

Required coverage to protect your crew if someone gets hurt on the job.

Commercial Auto & Tools Insurance

Covers vans, trailers, sprayers, compressors, and finish tools—wherever your work takes you.

Inland Marine (Equipment Coverage)

Protects your portable equipment and materials, even off-site or in transit.

Contractor Bonds

Helps meet licensing and job requirements across Washington.

A man is using a drill to fix a cabinet in a kitchen.

Painting & Finishing Insurance FAQs

  • What insurance do painters need in Washington?

    Painters should carry general liability, workers compensation (if they have employees), and tools/equipment coverage. These help cover common risks like overspray damage, ladder accidents, or property claims.

  • Do cabinet installers need different insurance than general contractors?

    Cabinet installers often work in finished spaces where property damage or injury risks are higher. We tailor general liability and equipment policies to reflect this more specialized environment.

  • Can I get insurance if I work as a subcontractor?

    Yes—we work with many subcontractors across Washington. We’ll help you get standalone coverage that satisfies your general contractor’s requirements and protects your own business.

  • Is workers comp required for small finish crews?

    If you employ anyone in Washington, workers compensation is required by law. Even for part-time or family workers, compliance matters—and we’ll help you stay covered.

  • What happens if I damage a client’s property?

    General liability insurance covers third-party property damage caused by your work—like spilled paint on a carpet or damage during cabinet installation.

  • Can you help with license and permit bonds?

    Absolutely—we provide contractor bonds, including license, permit, and performance bonds, to help you stay compliant and competitive.