Whether it’s a spilt pot of paint or a fallen ladder, accidents in the decorating trade can be costly and knock you off schedule. You need quality insurance cover to protect you in case something goes wrong; that’s where we can help.
We compare quotes from a panel of trusted insurers to find the cover that’s right for you. We understand the risks you face on a daily basis and the covers you need most. That’s why we tailor cover to your individual requirements to ensure you get the cover that’s right for your business. It’s flexible, quality cover without the hassle.
If you know what you need you can compare quotes online and protect your business in a matter of minutes. However, if you’re not sure and would like some advice please call to speak to our advisors today. We’re here to make arranging your business insurance simple and hassle-free. And if you’re looking to protect your work van we can find suitable insurance for that too.
We arrange insurance for painters and decorators that’s competitive and right for you. We understand that your business is not just your work; it’s your livelihood and income as well. We make arranging your painter and decorator insurance simple so you can focus on what really matters – your business. Whether you’re a sole trader, employ a team, or subcontract as and when needed, we can arrange decorators insurance that’s right for you.
If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Painter and decorator insurance is designed to protect you against a number of eventualities that could negatively impact your business. Typically it can incorporate a number of covers tailored to your business needs, to protect your livelihood against unforeseen events that could lead to financial loss. Whatever your needs, we can arrange the best painters and decorators insurance for you.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability is a key part of your insurance cover. This will typically ensure that any accidental injury or damage to third-party property is covered. For instance, if you knocked a pot of paint off a ladder that spilt all over a carpet, your public liability cover can take care of the cost of replacing the carpet. If your client tripped over your dust sheets and sustained an injury that can also be covered under the public liability section of your painter and decorator insurance.
If you employ staff then you will need to take out employers’ liability to meet your legal obligation. This can protect you if any of your employees have an unfortunate accident at work, as it will take care of any compensation awards and legal costs resulting from a serious injury.
Looking after your interests should your staff or clients make a claim against you is a fundamental part of your painter and decorator insurance policy, but what about you?
If you fell off a ladder and hurt yourself at work and were unable to trade, you may find yourself out of pocket for an indefinite time. Personal accident cover should be considered as this will typically provide a weekly benefit should something happen to you or even a lump sum. This can also apply to your business partners and can help tide you over until you are back on your feet.
If you need cover for a lock-up unit that you use in conjunction with your business you may want to consider including property damage in your painters and decorators policy. This will typically include cover for buildings, contents, computers and stock and can be coupled with business interruption insurance to protect your income should you suffer damage at these premises meaning you are unable to trade.
Business interruption insurance can protect you if you suffer damage at your premises resulting from an insured event. This means that if you had a fire at the premises meaning you were unable to trade, business interruption would cover your profit and fixed expenses including staff salaries to tide you over while you get back up and running.
Painters and decorators are often required to provide advice as well as design services for projects. If you provide a professional service or advice to customers, professional indemnity insurance should be considered as an essential cover for your business. It can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice which results in a loss to the customer. It can even provide cover in the event the work you carried out is deemed to be defective, inadequate or fails to perform. Call us today to discuss adding professional indemnity cover to your painter & decorator insurance package.
A commercial vehicle or van could be a crucial part of your business; whether it’s for your tools and equipment, or just getting to and from your customers on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for painters and decorators.
Should you need it you may want to consider adding commercial legal expenses cover to your policy, which would typically provide cover for tax and VAT disputes, employment disputes and compensation awards and can also provide cover if you or your staff are called up for jury duty.
You may also wish to protect your tools and equipment against theft and damage. You can select the level of tool cover you would like, meaning that you only pay for the cover that you need.
Painter and decorator insurance can protect you against claims from everyone you come into contact with, from clients and employees to suppliers. It is a fundamental part of your business continuity, and without the right painter and decorator insurance in place, you may be personally liable for any accidents or injuries you cause during the course of your work.
At Premierline, we offer painters and decorators insurance that can be as simple or comprehensive as you require depending on your business needs. When thinking about what insurance and covers you need to protect your business, you should consider the following:
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The cost of painters and decorators insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a personalised quote online or contact one of our business insurance specialists to find out how much your painters and decorators insurance might cost to protect yourself and your business from unforeseen circumstances.
We have many years of experience arranging painter and decorators insurance so we’ve really got to know the covers that you may require. We are here to make sure that you have the covers you need to protect you against the risks you face on a daily basis.
You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a personalised insurance quote today.
As a proud associate partner of UK’s premier trade and employers’ association for the painting and decorating industry, the Painting and Decorating Association we have extensive experience working across a diverse collection of painting and decorating businesses. Such as:
Call today or request a call back. Our advisors are on hand to discuss your specific requirements and arrange your painter and decorator insurance policy for you.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
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“Andy was great. He went to extreme lengths to sort my insurance needs. He's a real asset to the company - so helpful and professional in his manner.”
You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a painter and decorator insurance quote today.
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