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Painter and Decorator Insurance

Insurance Arranged for Painters and decorators

Insurance for painters and decorators expertly tailored to each individual business, correct levels of cover applied at competitive premiums by our experienced team of insurance brokers.

Arranged by Primo

Required Insurance

Painters insurance is a combined insurance cover package designed and tailored to your business. It covers you and your business against financial losses incurred when you are found liable for damage to a third party's property or an accident resulting in illness, injury or death. Employers liability is added as a legal requirement for those who employ staff even on a temporary basis.

As well as protecting you whilst you work there are cover options available that when combined with your liability insurance will protect your business correctly. It can include cover for your buildings, materials, commercial fleet and you can also add cover for such things as personal injury, business disruption as well as cover for legal expenses when defending against a claim.

  • Public Liability

    Products liability can be included in some cases. Public liability covers you against financial loss due to injury or damage to a third party or their property.

  • Employers Liability

    Cover's your employees and is a legal requirement even if you only employ volunteers on a temporary basis. There are some employers who are exempt.

Cover Options

Click a listed cover option for more information such as why you may or may not need this extra cover.

Let's get you covered as quickly and simply as possible

01702 225400
Quote Form

Your Broker

Always speak to a real person. You will have an assigned broker.

Straightforward

Our brokers ensure obtaining your insurance is simple and straightforward

Protected

Correctly covering your business gives you great peace of mind.

Frequently Asked Questions

  • Do I need public liability insurance?

    Whilst not a legal requirement we highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.

  • Is business insurance a legal requirement?

    Most business insurance is not a legal requirement, however, we do highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party or resulting fire, weather related incidents or a break in. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.

    The only insurance that your business is legally obliged to obtain is employers liability and vehicle insurance.

  • Can I pay in monthly instalments?

    You can pay monthly subject to your status and the size of the premium the credit charge and terms will vary.

  • What if I need to change my level of cover?

    As an existing client you can call or email us with any changes during business hours and get advice on the changes you wish to make.

  • If I need to make a claim who should I contact?

    First and foremost always contact your insurer, should you need assistance or advice following that call speak to your broker who will be happy to assist you where they can.

Business Vehicles

Comprehensive, third party, fire & theft or third party only cover arranged for your business' vehicles or commercial fleet.
Business Fleet Insurance

Commercial Property

Do you need commercial property insurance in addition to liability cover? We can also arrange as a stand-alone policy.
Commercial Property Insurance

Let's get you covered as quickly and simply as possible

01702 225400
Quote Form

Help with choosing the right cover options for your business.

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Contract Works

Some projects you undertake will make you responsible for partially completed work. For instance, you're in the middle of painting a house, and a storm destroys the work you have done contract works insurance could cover the cost of redoing that work. Your broker will help you determine the right level of cover needed.

Own Plant and Tools

Provided cover is for the replacement of your tools, plant and equipment due to theft, loss or damage.
Plant Cover Information

Employees' Tools

Covers the cost of replacement of employees tools which have been stolen, lost or damaged. The amount covered may be for a fixed amount and will depend on the insurer.

Hired-in Plant

Covers the replacement value of hired-in plant and equipment. Hire companies will normally insist on some type of cover to be in place before hire commences.

Temporary Buildings

Whether it's a portacabin or a row of portaloos these are considered temporary buildings. Temporary buildings covers loss or damage to these temporary structures and may cover any plant or tools stored in them.

Materials

The materials you use on site can be expensive to replace, so ensuring your sums insured covers the replacement cost of your materials is essential. Typically materials will be covered under a contractors all risks policy.

Commercial Fleet

For more information on our motor fleet policy please click on the link below.
Commercial Fleet Information

Legal Expenses

Covers the cost associated with obtaining legal advice and/or the costs involved when bringing or defending a court case. The policy conditions and the amounts covered vary from insurers so check with your broker.
Excess Protection

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