Workers' Comp Insurance for Painting Businesses in Texas

Painting contractors (NCCI 5474) face moderate-to-high rates due to fall, ladder, and chemical exposure. Interior-only painters may qualify for slightly lower rates than exterior or commercial painters working at heights in Texas. The Texas workers' compensation market is governed by TDI, and the average rate statewide is approximately $1.04 per $100 of payroll.

Texas requirements for painting businesses

When required: OPTIONAL — Texas is the only state where private employers are NOT required to carry workers' comp.

Sole proprietors: Optional for sole proprietors.

Owner / officer exclusion: Officers may be excluded if employer chooses to carry coverage.

Painting class codes used in Texas

Why painting workers' comp is tricky in Texas

Carriers scrutinize painters who work above 3 stories, perform sandblasting, or apply industrial coatings — these activities can trigger different (higher) codes.

Tips for Texas painting contractors

• ✓ Stay under 3 stories for the standard code; higher work re-classes
• ✓ Lead-paint certification is required for older buildings — RRP rule
• ✓ Spray vs roll equipment can affect underwriter appetite

Painting workers' comp in other states

Rates and requirements for painting contractors vary widely by state. Compare Texas to other major markets:

Other industries in Texas

Texas workers' comp rates and requirements for other common industries: