Painter and decorator insurance

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

Painters and decorators should consider cover for claims the public might make for accidental damage or personal injury. They might also want to consider cover to replace any lost, damaged, or stolen equipment and tools.

If you have any employees working for you, including any apprentices or volunteers, you’re legally required to have employers’ liability in place.

Below are some of the covers you should consider.

Why do I need painters and decorator insurance?

The type of work you do means being around clients and in and out of their homes regularly and if that’s the case then it’s important that you’re well protected in case something goes wrong.

According to Health and Safety Executive (HSE), the main risks to painters are decorators¹ are exposure to asbestos and silica. For the sake of your own, and your employee’s ongoing safety, it’s important that you have the right insurances in place.

So, whether you need to protect yourself against accidental damage claims, make sure your employees are covered if they fall ill on the job, or just protect your tools and equipment from theft or damage – business insurance has got your back.

The tools of your trade aren’t cheap so it’s wise to invest in own plant tools and equipment to cover the cost of repair or replacements if they should get accidentally damaged or stolen. Here are just a few of the thing you can insure with us:

• Paint brushes and rollers
• Ladders
• Raised platforms
• Scrapers and sanders
• Pasting table or workbenches

Painters and decorators aren’t legally required to have business insurance unless they have any employees. In this case, employers’ liability insurance is mandatory under the Employers’ Liability Act 1969.

Even though it’s not a legal requirement, it’s still highly recommended that you get business insurance to prevent you from being out of pocket if something should go wrong.

How much does painter and decorator insurance cost?

There’s no one size fits all approach to business insurance – and the same goes for cost. However, AXA customer pay prices from £82* a year for business insurance.

Several factors influence the price you pay, such as:

• The types and levels of cover you choose
• How many employees (if any) you have
• The size and location of your business
• The level of voluntary excess you choose

The quickest and easiest way to find out what your policy is likely to cost is to get a quote. You can do this online – and you’ll get 10%**!

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*10% of our customers paid this or less between January and March 2024.

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