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.

Public liability insurance

Public liability insurance is not a legal requirement, but it will protect you claims made by a third-party for accidental injury and damage caused you.

Say you accidentally spill some paint on an expensive couch, and your client demands that you cover the damages.

Find out more about public liability insurance

Employers’ liability insurance

If there’s anyone working for you, regardless of their employment status, then you’re legally required to have Employers’ Liability insurance under the Employers’ Liability Act 1969. It protects you if an employee becomes sick or gets injured as a result of working for you.

Find out more about employers liability insurance

Tools and equipment

Paint rollers, paintbrushes, dust sheets – whatever tools you need to get the job done, make sure they’re protected Own plan tools and equipment protects the things that keep business booming.

Find out moreabout tools insurance

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.

Have a van you need to protect?

Getting from one job to another is imperative for a painter and decorator – so is transporting your tools and supplies.

With Van insurance you’ll be covered for carrying goods, tools, and equipment to and from jobs as part of your normal working day.

Want to learn more about Van insurance?

What type of tools can I cover?

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

Is business insurance a legal requirement for painters and decorators?

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%**!

Ready to get started?

Get a business insurance quote

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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.