Whether you are a sole trader, subcontractor, limited company or growing decorating business, having the right insurance in place is critical. Many painters only discover gaps in their cover when a claim is declined or a contract is lost.
This painter & decorator insurance checklist helps you identify exactly what cover you need, what is legally required, and what commercial clients and contractors expect you to have in place.
Some insurance is required by law, while other covers are contract-driven. Failing to meet legal requirements can result in fines or prosecution.
These covers form the backbone of painter & decorator insurance and are required by most domestic, commercial and public-sector clients.
Tools theft is one of the most common claims for painters and decorators. Van break-ins and overnight theft can quickly halt your business.
Commercial clients, developers and main contractors often impose strict insurance requirements before allowing painters on site.
Insurers and clients increasingly assess risk management practices alongside insurance limits.
This checklist showed us exactly where our insurance gaps were. Insure24 fixed everything in one call.
Director – Painting & Decorating Business, UKIs this checklist suitable for sole traders?
Does this replace professional insurance advice?
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