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:
Don’t let a momentary mistake or simple misunderstanding put your financial future at risk. Get painter and decorator insurance today,
Whether your painting and decorating business operates in commercial premises or private homes or both, as a small business owner you need to make sure you have the right insurance cover in place to protect yourself, your business and any employees. As your work takes you into your clients’ homes and premises having the right public and professional indemnity insurance is a must as is the cover you need for your van, you can talk to us about this too.
When you’re putting together your trade or construction insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you leave your tools out while you’re working at a customer’s house and they trip over them and suffer an injury, or if you’re working on site and accidentally drop a brick that damages a car parked below, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy.
We offer up to £10 million of cover You can also cover your tools in case they’re stolen or damaged by buying tools insurance, and you can add buildings insurance if you have a business premises. Don’t forget that employers’ liability insurance is usually a must-have if you’ve got any employees.
Every day painters and decorators face the risk of legal action being taken against them in respect of their liability for personal injury or property damage arising in the course of their business activities. The awards that may be made as a result of a successful claim can be catastrophic but even the legal costs of defending the most spurious claim can cause severe financial hardship.
The limit of indemnity under the painters and decorators public liability policy is the maximum liability of the insurance company in respect of each and very claim under the policy. Common limits are £1M, £2m and £5M with additional levels available upon request.
It is up the individual painter and decorator to decide what is the appropriate level for their needs and this may depend upon the type of activities you are engaged in, your perception of the risks you face and perhaps any contractual requirements that the painter and decorator may have entered into.
There will be no policy excess in respect of claims arising from personal injury. Claims in respect of third party property damage will generally be subject to an excess and this will often be £250. The details of your excess will be shown clearly in your quotation.
We cover over 1,000 trade types, including most types of tradesmen: from stonemasons to dry-liners, from rendering contractors to partitioners, from ductwork installers to shuttering carpenters. Just use the trade selector on our quote form to type in or select your trade.
Moneycornershop.com is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. Moneycornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business. When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.
We have over 50 years collective experience and relationships with Construction underwriting specialists which have the capacity and understanding of the industry to write and place any construction risk.
The insurance you need will depend on your specific type of business and the individual risks it faces, but these are popular covers for tradesmen:
To comply with the law, employers’ liability insurance needs to cover:
It is important to note, however, that the law extends not only to those in full-time, paid employment, but also temporary staff, people on work placements and students. Volunteers are also included within the provisions of the Act. Do You need an employers’ liability insurance quote? Then please contact us today – we will be only pleased to help!
Public liability insurance usually comes up first when it comes to tradesmen insurance, this cover can protect you if you’re sued because someone is injured or their property is damaged.
Moneycornershop.com has the capacity to offer between £1 million and £25 million in cover, to protect you against legal fees and compensation costs.
You can include business buildings cover to protect your business premises, including fixtures and fittings.
Need more details? Hear more about your business cover options from our expert team. Just choose the cover you’re interested in and get some expert insight into how each option can help your business.
We provide tailored insurance for most types of tradespeople, such as:
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