Painters & decorators' cover

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Quick, tailored cover, all in one policy

However well prepared you are, accidents do happen – and if you’re in the interiors trade, those accidents can be expensive. With insurance from Simply Business you can protect yourself against the expense, choosing from a range of key covers to build a flexible policy. Whether you work on your own or employ someone, and whether or not you have your own premises, it’s quick, quality cover, without the hassle.

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What insurance do painters & decorators need?

Public liability insurance is often a very important cover for painters and decorators, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Personal accident insurance will cover you against serious injury, or even death - paying out for lost income, medical costs and the like. Working as a painter and decorator comes with certain risks and this cover should be considered if you would struggle to make ends meet if left unable to work following an accident.

Other covers available to painters and decorators include tool insurance, plant and machinery insurance and business equipment insurance.

Painter & decorator cover details

  • Make sure you read your policy documents carefully in order to understand any exclusions
  • Be careful not to underestimate the replacement value of your equipment, if arranging tools cover
  • If you employ people, even in your own home, you are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines
  • Ask your clients what level of public liability cover they expect, and buy accordingly

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

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“That’s my insurance sorted for another year by @simplybusiness! They're ever so helpful.”

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