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Painters & Decorators Insurance

Public liability insurance for a painter & decorator for less than £59* per year

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Home » Painter’s & Decorator’s Insurance

What is painters & decorators insurance?

Painting and decorating isn’t just a job to you – it’s your livelihood. Regardless of whether you’re working solo, or own your own painting and decorating business, you need insurance that speaks to the risks involved in your trade. A generic business policy just isn’t the right fit for your business.

Why do you need painters & decorators insurance?

Here at Tradesman Saver, we know that finding the right insurance for your business can be tricky. With so many covers on offer, it can easily turn into being a bit of a headache. That’s why we’ve simplified our process. Our insurance policy is specifically tailored to the needs of your trade – all you have to do is choose the covers that are right for you with the help of our online quote form. That’s insurance, made simple.

How our painters & decorators insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Tradesman Saver’s Public Liability Cover For Painters & Decorators


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your painters & decorators business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s sideboard by dropping a full tin of paint on it while painting a ceiling.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a painters & decorators business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a painter & decorator and you can get your quote online in minutes.

Get a Quote

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/08/2023

Why Painters & Decorators Need Insurance

Every painter & decorator need insurance to protect them in the event of disaster.  You may think it won’t happen to you but if it does, our expert insurance will help you in your hour of need.  Below are two very good examples of where our insurance can save you:

 

Spillages

You’re on a job decorating a client’s living room. But as you’re painting, you accidentally knock a can of paint over and it spills on the floor, ruining your client’s bespoke carpet. They decide to seek compensation from you for the damage. This is where you’ll be glad of your public liability insurance – your insurer will cover the costs of the damage, so you can get back to doing what you do best.

Fire Strikes!

You’re on a job on a construction site, decorating a new apartment block. Unfortunately, the electrician on site has made an error in the wiring and the apartment block catches fire, ruining your work. This is where your contractor’s all risks insurance can come in useful – it’ll pay to have the work repaired or re-done, so you don’t end up footing the bill from your own pocket.  Remember to add on cover for contract works during the quote process to benefit from this cover.

 

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 17% of new customers paid less than £59 between 1st January 2023 and 31st January 2023. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2023 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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