Painters and Decorators Insurance
Tailored cover designed to protect you and your painting and decorating business, including adjustable height liability limits covered to meet your needs.
Painters and Decorators Insurance
Tailored cover designed to protect you and your painting and decorating business, including adjustable height liability limits covered to meet your needs.
About Painters and Decorators Insurance
Public liability insurance for decorators
Public liability cover up to £10 million. Popular limits include £1m, £2m or £5m
Other trades can be covered
You can extend your policy to include additional trades under one policy as long as you have the relevant skills and qualifications
Dedicated painters and decorators claims service
Experts claim handlers to give you peace of mind
Pay for your painting and decorating insurance by Direct Debit
You can choose to split your payment into 10 monthly instalments. Please visit our dedicated Direct Debit page to find out more.
Features of Painters and Decorators Insurance
Standard cover
Protection for painting and decorating equipment
We can provide cover for a range of painting and decorating equipment. This means you can feel confident in the knowledge that you are covered should something happen to your tools.
Liability cover for painters and decorators
When carrying out painting and decorating in busy public areas, we can provide public liability up to £10m to protect you for allegations of accidental injury or damage to third parties due to your negligence.
Cover for painters working at height
We provide cover for painters and decorators working at heights on ladders, cradles and swings. We can offer variable height limits according to your needs, so you have peace of mind that you’re covered for any work at heights.
Employers Liability cover if you employ staff
We also offer employers’ liability cover with limits up to £10m in order to ensure your staff are covered meeting your legal requirements should accidental injury occur to staff arising from your negligence.
Painters and Decorators Insurance FAQs
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Do you cover painting and decorating in commercial or non-domestic locations?
Do you cover painting and decorating in commercial or non-domestic locations?
Yes, our painters and decorators insurance can cover private, public, commercial, domestic and retail locations. This includes private residences, universities, schools, hospitals cafes and restaurants to name but a few.
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Are labour-only sub-contractors for my painting and decorating business covered in the same way that direct PAYE staff are under the employers' liability?
Are labour-only sub-contractors for my painting and decorating business covered in the same way that direct PAYE staff are under the employers' liability?
Yes. We can cover both labour only sub-contractors, and painting and decorating staff who are on PAYE under your Employers Liability insurance. It is vital that you declare how your workforce are employed, as this will affect how your risks are calculated.
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Can you cover my equipment, even when I'm travelling?
Can you cover my equipment, even when I'm travelling?
Yes, we can cover your painting and decorating equipment away from your home or business as long as it's not left unattended and is kept safe and secure. This includes cover for equipment kept in a vehicle, as long as the equipment is out of view and the vehicle is locked securely (excluding overnight theft).
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Can my limit of indemnity be amended mid-term if it is required for a contract?
Can my limit of indemnity be amended mid-term if it is required for a contract?
Yes it can, the painters and decorators insurance policies we offer are very flexible and can be amended at any time. All it takes is a five-minute phone call for changes to be made. Any increase in the level of cover may result in a pro-rata increase in premium.
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I sometimes strip painting using a heat gun; is this covered?
I sometimes strip painting using a heat gun; is this covered?
Yes, this is covered in our painters and decorators insurance policies, provided you have declared that you use application of heat processes during your work. Call us for full details.
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Can I pay in instalments?
Can I pay in instalments?
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment spread over ten months. Please visit our dedicated Direct Debit page to find out more.
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Where can I find more information about monthly Direct Debit?
Where can I find more information about monthly Direct Debit?
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
How do I make a claim?
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
Call the claims team
on 0344 892 1384 and explain exactly what happened
Provide photos if requested
to help us understand what happened as quickly as we can
