Painter and Decorator Insurance
Painters and decorators often work on-site in homes, commercial buildings, and construction projects, handling equipment, working at height, and operating in spaces where accidental damage can occur. Painter and decorator insurance can offer essential protection against risks such as public liability claims, tool theft, and personal injury.
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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
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Why Choose Us for Painter and Decorator Insurance?
What Is Painter and Decorator Insurance?
Painter and decorator insurance is a specialist type of business insurance designed to help protect tradespeople working in painting and decorating from the unique risks associated with their work. Whether you work on domestic, commercial, or industrial projects, this insurance can help offer cover for public liability, tools, personal accidents, and potential interruptions to your business.
Who May Need Painter and Decorator Insurance?
Painters and decorators often face daily exposure to risks that could result in financial claims or equipment loss. Without suitable insurance, issues such as:
- Customer or third-party injuries on-site
- Accidental damage to property or fixtures
- Theft or accidental damage to essential tools
- Personal injury while working at height or using ladders
- Delays caused by incidents like theft, fire, or equipment failure
Could become costly and disruptive. Painter and decorator insurance can offer financial protection and valuable peace of mind.
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What Can Painter and Decorator Insurance Cover?
1. Public Liability Insurance
Public liability insurance can help protect against claims from clients or members of the public if they suffer injury or property damage connected to your work. This is widely considered essential for painters and decorators working in customer homes, commercial buildings, or public spaces.
2. Employers’ Liability Insurance
Employers’ liability insurance can be legally required if you employ staff, subcontractors, or apprentices. It can offer cover if an employee claims compensation for an injury or illness linked to their work.
3. Tools and Equipment Insurance
Tools insurance can offer protection for painting and decorating tools, including brushes, sprayers, ladders, and equipment, covering theft, accidental damage, and loss. It can also include cover for tools stored in vehicles, subject to security conditions.
4. Personal Accident Cover
Personal accident cover can provide financial support if you suffer an injury that temporarily or permanently prevents you from working. This can be especially relevant for self-employed painters and decorators.
5. Business Interruption Insurance
Business interruption insurance can offer support if you are unable to work temporarily due to insured events such as theft, fire, flood, or major equipment failure.
FAQs
Public liability insurance is not legally required but is strongly recommended for painters and decorators to help protect against claims from clients or third parties.
Tools insurance can include overnight storage in vans, subject to insurer security requirements such as alarms, secure parking, or specific storage protocols.
Employers’ liability insurance is typically required by law if you employ any staff, apprentices, or subcontractors who work under your supervision.
Many policies can include working at height, but it is important to disclose this when arranging your insurance to ensure appropriate cover is provided.
Yes, self-employed painters and decorators can arrange personal accident cover to offer financial support if they are unable to work due to injury.