For damage claims, yes. Contents damage and overspray inside occupied properties drive frequency.
A significant exposure in New York's older housing stock. Confirm lead is addressed rather than excluded.
Tools and equipment covers them. Job site and vehicle theft are common.
Yes. Overspray is one of the most frequent painter claims and falls under general liability.
If you disturb lead paint or use solvents, yes. Both fall inside general liability's pollution exclusion.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
