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
Complete our simple quote form with basic details about your business
Get a Quote
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
Tradesman Saver’s Public Liability Cover For Painters & Decorators
Our standard cover is:
- Up to £5 million cover for public and products liability
- £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 carpet with your muddy work boots.
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.
Chosen by over 5000 businesses and counting *
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
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:
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.
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.