Painters & Decorators Insurance

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Protection for painting and decorating equipment

We offer protection for a variety of tools used in the painting and decorating trades. If something were to happen to your tools, you could rest easy knowing that you were protected.

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Painters' height protection from the elements

Painters and decorators who must use ladders, cradles, or swings to reach high places are protected by us. Our height restrictions are flexible to meet your requirements, giving you confidence in your safety when working at great heights.

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Painters & Decorators Liability Insurance

We offer public liability insurance of up to £10m to cover you in the event that someone sues you for causing harm or property damage to a third party as a result of an accident that occurred while you were painting or decorating a public space.

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Employment-Related Liability Insurance

We also provide employers' liability insurance with limits of up to £10 million to meet your legal obligations in the event that an employee sustains an unintentional injury as a result of your negligence.

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FAQ

Do you include commercial and other non-residential spaces when discussing painting and decorating?

Painting and decorating jobs in homes, businesses, and public buildings are all covered by our insurance policy. Places like homes, colleges, high schools, hospitals, cafes, and restaurants are included.

Does employers' liability apply to labour-only subcontractors for my painting and decorating company in the same way it does to my direct PAYE employees?

Yes. Subcontractors that provide merely labour can be protected by your Employers Liability policy, as can PAYE painters and decorators. The risks you face are based in part on the nature of the employment relationships you disclose.

What about while I'm on the road? Can you still insure my equipment?

As long as it is not left unattended and is securely stored, we will ensure your painting and decorating tools while they are away from your home or place of business. Equipment stored in a locked car during the day is also protected from theft (with the exception of overnight theft).

In the event that a change to my indemnity cap is necessary midway during the term, is this possible?

Our insurance packages for painters and decorators are quite adaptable, so you can make changes whenever it's convenient for you. A quick phone call is all that's needed to make adjustments. There may be a rise in premium proportionate to the level of coverage added.

Is it covered that I sometimes use a heat gun to peel paint?

If you employ application of heat procedures in your work, then you will be protected under our painters and decorators insurance coverage. Get more information by calling us.

Do you offer instalment plans?

We accept payments via direct debit at 10 monthly intervals to help you budget for your premiums.

Other Insurances We Offer

Talk to us, we're here to help.

03330 505533

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