Public liability insurance for painters and decorators
Public liability insurance is a must-have for painters and decorators. This cover protects you if your work causes injury to a third party or damage to property.
For example:
- A paint tin tipping over and ruining a client’s expensive sofa.
- A ladder accident that injures someone on-site.
Without public liability insurance for painters and decorators, such incidents could leave you with hefty compensation claims and legal costs. This policy ensures you’re covered and keeps your reputation intact.
Professional indemnity insurance for painters and decorators
While not always essential, professional indemnity insurance can be a lifesaver for decorators offering advice or specialist services.
For instance:
- If a client claims your colour scheme advice led to financial losses due to expensive reworks.
- If your recommendations on materials or techniques result in project delays or dissatisfaction.
Professional indemnity insurance ensures your legal defence and any compensation costs are taken care of.
Other business insurance for painters and decorators
Running a painting and decorating business involves more than just brushes and ladders. Here are additional types of coverage you might need:
Employers’ Liability
If you employ staff, even on a part-time basis, employers’ liability insurance is a legal requirement in the UK. It covers claims for injury or illness suffered by employees due to their work.
Tools & Materials
Your tools are the backbone of your trade. Tools & materials insurance protects against theft, damage, or loss, ensuring you can replace essential items without financial stress.
Hired in Plant
If you use rented equipment, such as scaffolding or paint sprayers, hired-in plant insurance covers these items against theft or damage, so you’re not left footing the replacement bill.
Commercial Legal Expenses
Disputes happen. Commercial legal expenses insurance covers the costs of resolving issues like contract disagreements, debt recovery, or employment claims, ensuring your business remains financially stable.
