Painter and decorator insurance is an affordable way to cover your business in the long term. Only you can decide the exact insurance cover you need, and it will depend on lots of factors.
Nevertheless, there's one form of painting and decorating insurance that we strongly recommend in all cases.
Public liability insurance for painters and decorators
Public liability insurance for painters and decorators is widely considered essential, as it is for all tradesmen and others running small businesses. As painters and decorators spend so much time in their customers' homes, it's not difficult to see why they'd need it. If a customer, client or any member of the public decides to sue you for damages, our public liability insurance is there to cover your back.
Why painters and decorators need liability insurance
As a painter and decorator you're in daily contact with the thing that many people prize most of all: their home. You don't need us to paint you a picture of all the things that can go wrong, but some of the most common legal claims arise after:
- carpets and other soft furnishings are stained with paint or other substances
- the misuse of solvents or other chemicals is alleged to have caused health issues
- a customer trips on a ladder, bucket or other piece of equipment and blames the painter/decorator for any injury caused
Don't let a momentary mistake or simple misunderstanding put your financial future at risk. Get painter and decorator insurance today, or find out more about our Public Liability Insurance here.
Employers' Liability insurance
If you hire any staff - even if it's just an apprentice or casually employed assistant – you need to obtain employers' liability insurance. This is to cover you in case your employee decides to sue you.
Employers' liability insurance is more than recommended: it is a legal requirement in the UK, so by hiring someone without taking out this cover, you are breaking the law.
Make sure you're covered against damaging their party claims – get a public liability insurance quote today.