Do I need insurance if I’m a self‑employed painter and decorator?

Yes, even self-employed painters and decorators need insurance.

Whether you specialise in painting exteriors or interiors, gloss or feature walls, this type of cover will protect you (and members of the public) in the case of accidents or injury. What happens if you fall off a ladder and are out of work for a while or spill a pot of paint over a client’s valuables? Risk comes with a heavy price tag.

Not sure you’ve got the means to splash out on these costs on your own? AXA’s business insurance will protect you if the worst happens.


Public liability insurance for painters and decorators

Public liability insurance will protect you against third party injury and damage caused by any painting and decorating work you do. Say you accidentally spill some paint on an expensive piece of furniture, and your client demands that you cover the damages – public liability will offer up to £5m liability cover to help you pay for compensation costs and legal fees that arise as part of a claim.

You’ll also get:

  • Temporary staff covered – up to 50 days a year free
  • £250 compensation per day for court attendance to defend a claim made against you
  • Option to pay monthly
  • Access to a 24-hour legal hotline

How much does painter and decorator insurance cost?

The quickest way to find out the cost of your insurance is to get a quote online.

It’ll only take a few minutes, plus you’ll get a 10%** discount if you choose to buy online. Pay a one-off annual payment or choose to spread the cost over monthly payments.


What type of business insurance does a painter and decorator need?

Mix and match from the cover options below to blend the cover that you need.

Public liability insurance

Protects your business against claims, covering damages and legal costs that may be made against your business.

Find out more about public liability insurance

Employers’ liability insurance

Covers claims for staff who’ve become ill or injured as a result of working for you. If you employ anyone (even on a voluntary basis), then it’s required by law.

Find out more about employers liability insurance

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*The guidance is provided on behalf of AXA by Arc Legal Assistance Ltd who are authorised and regulated by the Financial Conduct Authority.

**This discount is applied automatically and lasts for the lifetime of your policy.