What liability insurance minimums should a homeowner in Riverview demand from a painting contractor before allowing work to begin?

Homeowners in Riverview should require painting contractors to carry a minimum of $2 million in general liability insurance before starting any work. This is the industry standard across New Brunswick and protects you from potentially devastating financial exposure if someone is injured on your property or if the contractor damages your home or neighbouring properties.

General liability insurance is the most critical coverage to verify. This protects you if the painter accidentally damages your siding while pressure washing, drops paint on your neighbour's car, or if someone is injured during the work. A $2 million policy covers most residential painting scenarios, though some homeowners prefer $5 million for larger projects or higher-value homes. The contractor should provide a current certificate of insurance naming you as an additional insured party for the duration of the project.

WorkSafeNB coverage is equally important, especially for exterior painting work involving ladders, scaffolding, or two-storey homes common in Riverview. While not legally required for all painting contractors, WorkSafeNB coverage protects you from liability if a worker is injured on your property. Without this coverage, an injured painter could potentially sue you directly as the property owner. Always ask to see current WorkSafeNB documentation before work begins.

Additional considerations include verifying that the insurance policy is current (not expired), covers the specific type of work being performed, and includes property damage coverage. Some policies exclude certain activities like lead paint work or high-altitude exterior painting. For older Riverview homes built before 1978, ensure the contractor's insurance specifically covers lead-safe work practices if disturbing painted surfaces.

Red flags to avoid: Never hire a painter who cannot provide proof of insurance, claims they "don't need it for small jobs," or offers to reduce their quote if you waive insurance requirements. Uninsured contractors may offer lower prices, but the financial risk to you is enormous. A single accident could result in tens of thousands in medical bills or property damage that becomes your responsibility.

When to hire a professional: Any exterior work on Riverview's many two-storey homes, lead paint situations in older properties, or projects exceeding $5,000 should only be done by properly insured professionals. The combination of New Brunswick's unpredictable weather, older housing stock, and potential for serious falls makes adequate insurance protection essential for both interior and exterior painting projects.