Our painters and decorators’ insurance policy is tailored specifically to meet the needs of painters or decorators. Here are some of the key covers we offer:

Public liability insurance

Some accidents you can’t brush off, and when they happen on the job, public liability insurance is there to have your back. This insurance is there to protect you against claims of property damage or injury that might occur while you’re working. You could spill paint on a customer’s floor, which could result in them making a claim to fix the damage, or a customer could slip on your protective sheets causing them to sprain their ankle. Public liability insurance makes sure you’re not left to pick up the bill, covering you against the legal costs and compensation claims associated with defending a claim.

Tools insurance

If your tools are stolen, lost or damaged, tools insurance will cover the cost to replace or repair these. This is handy as a painter or decorator as it can cost a large amount to replace your brushes, ladders or rollers. This means your work can continue as normal if the worst does happen.

Professional indemnity insurance

Sometimes, despite your best efforts, mistakes happen. Professional indemnity insurance protects you from claims of negligence or faulty work. Whether it’s a client alleging that you made a mistake on a job or that your advice led to further damage, professional liability coverage ensures you’re protected.

Employers’ liability insurance

If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your team is taken care of. In the UK this insurance is legal required, so it’s worth looking into this insurance or you could find yourself in hot water.

Legal expenses insurance

If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court costs and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example, if a customer refuses to pay you after doing a painting job, legal expense insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.

Occupational personal accident insurance

Occupational personal accident insurance is a safety net for painters or decorators, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.