One of the most common mistakes painters and decorators make is either being under-insured or paying for cover they don’t actually need. The right insurance is not about buying the cheapest policy - it’s about selecting cover and limits that properly reflect your work, your contracts and your risk exposure.
This guide explains how to assess your business, understand insurer requirements and choose appropriate indemnity limits across all key painter & decorator insurance policies.
Insurance requirements vary significantly depending on the type of painting and decorating work you undertake. Domestic decorators face different risks to those working on commercial, industrial or high-value projects.
Public liability insurance protects you if you cause injury to a third party or damage to their property. Choosing the correct limit is critical, particularly when working on commercial or high-value sites.
Employers’ liability insurance is legally required if you employ staff or use labour-only subcontractors. Most insurers provide £10 million as standard, which satisfies legal and contractual expectations.
Contract works and accidental damage cover should reflect the maximum value of work and materials you could have at risk at any one time - not your annual turnover.
Tools, equipment and vehicles are often the backbone of a painting business. Under-insuring these assets can stop work instantly after a theft or accident.
Insure24 helped us avoid being under-insured on a major contract. Their advice saved us from a potentially huge loss.
Director – Painting Contractor, UKWhat happens if my insurance limits are too low?
Can I change my limits mid-policy?
Do higher limits always cost much more?
Should limits be based on turnover?
Can Insure24 review my cover and limits?
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