Decorating - Domestic Insurance

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Insurance for decorators working in homes, flats, rental properties and residential premises across the UK.

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Domestic decorating insurance for homes and residential premises

Domestic decorating work can involve finished interiors, customer furniture, carpets, flooring, ladders, paint, dust, tools, materials and close customer-property exposure.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Domestic Decorators

Decorating domestic insurance is for decorators, painters and finishing contractors working mainly in private homes, flats, rental properties, residential refurbishments and occupied domestic premises.

The right cover should reflect whether you carry out internal decorating only, external decorating, wallpapering, preparation, spraying, minor repairs, ladder work, subcontract work or work for landlords, letting agents and property managers.

Who This Page Is For

  • Domestic decorators, house decorators and residential painting contractors.
  • Self-employed decorators, sole traders and small decorating teams.
  • Contractors working for homeowners, landlords, letting agents and property managers.
  • Decorators handling interior painting, wallpapering, preparation, finishes and light residential refurbishment.

What Cover Can Include

  • Public liability for injury, spills, overspray, damaged carpets, broken fixtures or customer-property damage.
  • Employers' liability for employees, apprentices, labour-only subcontractors or supervised workers.
  • Tools, equipment, paint, materials, ladders, dust sheets, stock and goods in transit cover.
  • Contract works cover for partly completed decorating projects and materials on site.
  • Commercial vehicle, legal expenses and business interruption cover where required.

Domestic Decorating Risks

Claims can involve paint spills, damage to flooring, furniture or fixtures, ladder injuries, accidental damage while preparing surfaces, dust or overspray, lost keys, theft of tools from vans, and disputes where a finish, colour or surface preparation is challenged by the customer.

Domestic decorating insurance

Insurer Questions

  • Is the work domestic only or mixed with commercial contracts?
  • Do you work internally, externally, at height or from ladders?
  • Do you use spraying equipment, heat guns, solvents or specialist coatings?
  • What tools, materials and stock values need cover?
  • Do you use employees, subcontractors or agency labour?

Customer Homes and Accidental Damage

Domestic decorators work close to carpets, furniture, kitchens, bathrooms, windows, fixtures and personal possessions. Public liability should be checked carefully against accidental damage and treatment-risk wording.

Tools, Ladders and Materials

Tools and materials are often stored in vans, garages or customer premises. Cover can be reviewed for theft, transit, overnight storage, ladders, spray equipment and unfinished works.

Related Contractor Pages

DOMESTIC DECORATING INSURANCE FAQS

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What does domestic decorating insurance cover?

It can include public liability, employers' liability, tools, materials, accidental damage, contract works, business interruption and commercial vehicle cover depending on the decorating work carried out.

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Do domestic decorators need public liability insurance?

Public liability is usually important because decorators work inside customer homes where spills, damaged flooring, broken fixtures, ladder accidents and injury claims can arise.

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What information helps insurers quote?

Insurers usually ask about domestic work, external work, height, ladders or towers, employee numbers, subcontractors, tools and materials values, turnover, contract values and claims history.