Being a self-employed painter or decorator in the UK offers freedom, flexibility, and control. Yet working alone does not mean working without risks. From accidental paint spills on client property to ladder-related injuries, even one-person painting businesses could face situations where painters and decorators insurance helps protect against financial loss.

We help sole traders and small painting businesses find cover suited to their trade. Here is what you need to know.

Why Self-Employed Decorators Consider Insurance

While there may be no legal requirement for sole traders to hold insurance (unless hiring staff), many clients prefer or expect it. More importantly, certain types of painters insurance could offer critical financial support if something goes wrong.

Some key risks for one-person painting businesses include:

• Accidental damage to client property
• Injury to third parties
• Theft or loss of tools and equipment
• Personal injury that stops you working

Even small mishaps could lead to large costs or claims.

Core Types of Painters & Decorators Insurance for One-Person Businesses

Public Liability Insurance

This is often seen as the most important cover for sole traders. Public liability insurance helps cover costs if a third party claims injury or property damage as a result of your work.

For example:

• A customer slips on a dust sheet you laid down

• Paint accidentally damages expensive flooring

Many larger clients may ask for proof of public liability insurance before allowing decorators on-site.

Tools and Equipment Insurance

For a sole trader, tools are essential. Tools insurance helps protect against theft, loss, or accidental damage to brushes, ladders, sprayers, and other professional equipment.

Replacing specialist kit out of pocket can be expensive, especially if multiple items are stolen at once.

Personal Accident Cover

Working at height, lifting heavy items, or using equipment all increase the risk of injury. Personal accident insurance provides financial support if you are injured and unable to work.

This could help cover lost income, medical costs, or rehabilitation expenses all important when running your business depends solely on your ability to work.

Do One-Person Businesses Need Employers’ Liability Insurance?

Generally, employers’ liability insurance is only legally required if you employ staff. For sole traders working entirely alone, this cover may not be necessary.

However, if you occasionally hire subcontractors or temporary labourers, even on a casual basis, it is worth checking your legal obligations. We support painters and decorators in understanding when employers’ liability cover applies.

Balancing Cover with Cost

Every sole trader weighs cover against budget. Choosing the right level of painters and decorators insurance involves balancing essential protection with affordability.

We help arrange insurance policies that match real risks faced by painters and decorators, nothing more, nothing less. Whether covering accidental damage, tools, or personal accidents, tailored insurance can offer peace of mind without unnecessary expense.