0330 043 0003

Our Opening Times

Business Insurance For Painters & Decorators

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:

  • carpets and other soft furnishings are stained with paint or other substances
  • the misuse of solvents or other chemicals is alleged to have caused health issues
  • a customer trips on a ladder, bucket or other piece of equipment and blames the painter/decorator for any injury caused

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.

Design & Build Your Policy

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.

Our Experience & Relationships

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.

Click Here To Learn More
About Our
Combined Liability Insurance

Painters & Decorators Business Insurance
Our Panel Provides You With Choice

Start Your Quote

What Insurance Does Your Business Need?

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:

  • Employers Liability: If you have employees, contractors, casual workers or temporary staff, you’re usually 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.
  • As with any type of insurance, the cost of premiums may vary quite widely from one insurer to another. Here, our aim is to help you obtain the insurance cover you need at a competitive rate that represents good value for money.
  • The price of premiums is influenced by a number of factors, including:
  • The number of people you employ
  • The particular nature of your business
  • Your past insurance claims history

To comply with the law, employers’ liability insurance needs to cover:

  • Every permanent employee
  • Seasonal, casual and contract employees
  • Labour-only subcontractors
  • Trainees and employees who are on apprenticeships

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!

Tradesman Public Liability Insurance

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.

  • You can also include plant and machinery insurance, which can provide protection for plant and machinery, whether you own it or hire it.
  • Contract works insurance can cover the cost of repairing or redoing work on a construction site if it’s damaged or destroyed by an insured event – like fire, flood, storm, vandalism or theft – while it’s in progress.
  • Personal accident insurance covers you against serious injury, or even death – paying out for the likes of lost income and medical costs.
  • You can include business buildings cover to protect your business premises, including fixtures and fittings.
  • Business equipment insurance to cover your business contents and office equipment.

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.

What Type Of Tradesman Are You?

We provide tailored insurance for most types of tradespeople, such as:

  • Builder insurance
  • Carpenter insurance
  • Electrician insurance
  • Plumber insurance

Get Results Out
of Just One
Phone Call

Start Your Quote

AVAILABLE TODAY
TAILOR MADE TO YOUR COMPANY NEEDS

Why Join Moneycornershop.com

  • Join a huge network of happy customers
  • Claims managed by individual insurers
  • Experienced business insurance experts
  • We can help you save on your business utilities
  • We can help you raise finance for your business