When hiring a painter, homeowners often compare price, experience, and reviews — but the most important factor is rarely discussed: insurance. In Florida, painters are not required to hold a state license, making proper insurance coverage the only real protection homeowners have.
The most misunderstood area is the difference between workers compensation and a workers comp exemption. A workers comp policy covers employees if they get injured on the job. A workers comp exemption, however, simply means the individual is opting out of coverage — and it does not insure the homeowner or the crew.
If a painter without workers comp is injured on your property, the liability can fall directly on you, the homeowner. That’s why Don and Lou stress the importance of verifying both general liability and workers compensation, not just taking verbal assurances.
Homeowners should ask for:
• A copy of the company’s general liability policy
• Proof of active workers compensation (not an exemption)
• The name of the carrier and policy dates
• Confirmation that the crew doing the work is the same crew insured
Local companies with long histories — like Polson Painting’s 31 years in Tampa — are far more likely to carry full insurance. They treat their team as employees, not disposable subcontractors, and maintain the coverage required to protect both workers and homeowners.
At Polson Painting we advise homeowners prioritize safety and accountability, ensuring that the painter they choose is not only skilled but also fully insured.
