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.
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 business.
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.
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.
So 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.
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.
Having arranged decorators insurance for many years, we understand the exposures you face daily and can find you the cover that is right for your business at the right price. If you know your insurance needs you can get an online quote in minutes or if you would like advice simply call us to speak to a business insurance specialist today.