Running a painters and decorators business in the UK involves more than brushes and colour charts. From ladder accidents to damage claims, there are multiple risks that could affect even the most careful tradesperson. Many assume public liability insurance covers every scenario. In reality, relying on that alone may leave gaps in protection.

We support painters and decorators in finding cover that matches their specific risks. Below, we explore which types of painters and decorators insurance could help protect your business fully.

Why Public Liability Insurance Matters for Decorators

Public liability insurance is often seen as a must-have. It helps cover costs if someone is injured or property is damaged due to your work.

For example:

• Spilt paint damaging carpets or furniture

• A client tripping over equipment and making a claim

Many commercial clients may insist on proof of public liability insurance before allowing decorators on-site.

Where Public Liability Cover May Not Be Enough

While public liability cover addresses third-party injury and damage, several risks fall outside its scope. For painters and decorators, these can include:

• Tool theft or loss: Public liability does not cover stolen or damaged tools, even though they are vital to day-to-day operations.
• Injury to yourself: If a decorator falls from a ladder, public liability insurance does not provide personal injury cover.
• Employee claims: If you hire staff, even temporarily, employers’ liability cover is legally required in the UK.
• Professional mistakes: Incorrect paint application causing client financial loss may fall under professional indemnity cover rather than public liability.

Other Essential Painters and Decorators Insurance Covers

Tools and Equipment Insurance

Replacing specialist tools and equipment could prove costly without the right insurance. Tools insurance helps cover items like sprayers, ladders, and brushes in case of theft or accidental damage.

Personal Accident Cover

Decorators often work at height or in challenging conditions. Personal accident insurance can provide financial support if injury prevents you from working. This could cover hospital stays, rehabilitation costs, or lost income.

Employers’ Liability Insurance

If employing staff, whether permanently or casually, employers’ liability insurance is legally required in the UK. It helps cover claims from employees who suffer work-related injuries or illnesses.

Professional Indemnity Insurance

For decorators offering advice, colour consultancy, or bespoke finishes, professional indemnity cover may help protect against claims made due to mistakes or faulty advice.

Balancing Cost with Comprehensive Protection

Painters and decorators often balance multiple financial priorities. While focusing solely on public liability cover might seem cost-effective, failing to consider wider risks could lead to larger financial challenges later.

We help painters and decorators review their insurance needs, considering everything from tool protection to injury cover. With tailored policies arranged through trusted insurers, self-employed decorators and established businesses alike can operate with confidence.