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Horizon Painting vs Phillips Painting
Sacramento Painting Contractors Comparison · Updated March 2026
Phillips Painting carries workers compensation insurance while Horizon Painting does not, creating different liability exposure for homeowners.
| Horizon Painting | Phillips Painting | |
|---|---|---|
| Rating | ★ 4.3 | ★ 2.8 |
| Years Licensed | 28 years | 39 years |
| License # | 747985 | 506216 |
| Workers' Comp | — | ✓ Yes |
| Bond Amount | $25,000 | $25,000 |
| Location | Rio Linda, CA | Orangevale, CA |
| Website | — | www.phillipspaintingco.com |
Key Differences
Customer Reviews
Horizon Painting
A good experience.
Lindo
Phillips Painting
Your painter Luis did a wonderful job painting today on 25th street
Consider Horizon Painting if...
- ✓ You've confirmed Horizon Painting now carries current workers compensation insurance directly with the company, despite state records not reflecting it
- ✓ Your project involves minimal crew size and you're comfortable verifying insurance certificates before work begins
- ✓ Rio Linda location offers closer proximity to your property than Orangevale
- ✓ You're willing to accept additional due diligence in exchange for potentially competitive pricing
Consider Phillips Painting if...
- ✓ You want straightforward contractor protection without needing to chase down insurance verification
- ✓ Your project involves multiple workers or extended timelines where injury risk increases
- ✓ You prefer the additional 11 years of industry experience and business continuity that 39 years represents
- ✓ You want to minimize any scenario where your homeowner's insurance could be drawn into contractor liability claims
Questions to Ask Before Hiring
- → Ask Horizon Painting for current workers compensation certificates and verify coverage directly with their insurance carrier before signing any contract
- → Ask both contractors for references from projects completed in the past 12 months to assess recent work quality
- → Confirm your homeowner's insurance policy coverage limits if contractor injuries occur and no workers comp exists
- → Ask how long their current painting crews have worked together to gauge team stability
The Bottom Line
Phillips Painting is the lower-risk choice for most homeowners because workers compensation insurance protects you from liability if injuries occur during your project. With 39 years of licensure, Phillips also brings slightly more experience than Horizon's 28 years, though both are veteran contractors. Choose Horizon only if you can verify current workers compensation coverage directly and receive certificates before work begins. If you need to hire this week and want straightforward protection without additional insurance verification steps, Phillips Painting offers complete coverage and proven longevity.
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Frequently Asked Questions
It means state records don't show active workers compensation insurance, which typically covers medical costs and lost wages if contractors are injured on your property. Without it, your homeowner's insurance could become primary coverage for injuries, potentially leading to claims against your policy. You should request proof of current coverage directly from Horizon before hiring.
Both contractors qualify as veterans with decades of experience, so the practical difference is modest. Phillips' 39 years versus Horizon's 28 years means slightly more time navigating industry changes and economic cycles, but both have proven longevity. The workers compensation difference is more consequential for your financial protection than the experience gap.
Yes, both serve Sacramento County from nearby bases. Horizon operates from Rio Linda and Phillips from Orangevale, both within reasonable distance for most Sacramento County projects. Your specific location might make one slightly more convenient, but neither should have accessibility issues for local work.
Years licensed matters, but it's not the only factor. Phillips' additional experience is a mild advantage, but Horizon's 28 years still represents extensive veteran-level capability. Focus more heavily on the workers compensation difference, which directly affects your liability exposure, and request recent project references from whichever contractor you're leaning toward.
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How We Compare Contractors
License Verification
All license data is sourced from official California CSLB records and verified regularly.
Review Analysis
Customer reviews are aggregated from Google and analyzed to identify patterns in service quality.
Detailed Comparison
We analyze credentials, insurance, experience, and feedback to highlight meaningful differences.
Not all licensed contractors are created equal. While a valid license is the baseline requirement in California, contractors can vary significantly in experience, insurance coverage, and customer satisfaction.
- Experience matters: A contractor with 15+ years of experience has likely encountered and solved problems that newer contractors haven't faced yet.
- Workers' compensation protects you: If a contractor without workers' comp insurance has an employee injured on your property, you could be held liable.
- Reviews reveal patterns: Individual reviews can be misleading, but patterns across many reviews often reveal a contractor's true strengths and weaknesses.
- Bond amounts vary: A contractor's bond provides financial protection if they fail to complete work as agreed. Higher bonds offer more protection.
Taking time to compare contractors on these factors can save you from costly mistakes and help ensure your project is completed by a qualified professional.
Data Sources: License information from California CSLB. Ratings and reviews from Google. Last verified March 08, 2026.
This comparison is based on publicly available information. We recommend getting multiple quotes and verifying all credentials directly before hiring.
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