Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1086-$1598
Estimated Annual Premium
Monthly Average Breakdown
$107 / mo
Includes General Liability
Industry Risk Profile
Painters face moderate risks, primarily related to falls from ladders and potential chemical exposure or spills on client property.
Risk Factor1.3x
Location Factors
- State Base Rate$920
- St.-paul Multiplier1x
- State Tax Rate6.9%
Local Compliance FAQ
Is General Liability required in St.-paul?
While Minnesota law may not mandate it for all businesses, Painters often need proof of insurance to bid on local commercial projects in St.-paul.
Why is the rate different here?
Your premium reflects Minnesota's specific base rate of $920 and a local city multiplier of 1x.
Compare Painter Insurance in Other Minnesota Cities
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