Combined / Package Painter & Decorator Insurance

One simple insurance policy combining public liability, tools, personal accident and more

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We compare quotes from leading UK insurers

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

All-in-One Insurance for Painters & Decorators

Managing multiple insurance policies can be time-consuming and confusing. A combined painter and decorator insurance policy brings your essential covers together into one simple, cost-effective package.

Whether you’re self-employed, a subcontractor, or run a small decorating business, a combined policy ensures you’re fully protected against the most common risks you face on site, while often working out cheaper than buying individual policies separately.

What’s Included in a Combined Painter & Decorator Policy?

Public Liability Insurance


Public liability insurance protects you if your decorating work causes injury to third parties or damages their property.

  • Damage to floors, carpets and fixtures
  • Paint spills and overspray
  • Injury caused by ladders or equipment
  • Typical limits £1m – £5m

Tools & Equipment Insurance


Covers your tools and equipment against theft, loss or accidental damage, whether on site, in storage or in your vehicle.

  • Hand tools, ladders and spray units
  • Theft from locked vans
  • Accidental damage cover

Personal Accident Insurance


If you’re injured and unable to work, personal accident cover provides financial support to help protect your income.

  • Weekly benefit payments
  • Cover for fractures and serious injuries
  • Lump sums for permanent disability

Employers’ Liability (If Needed)


If you employ staff, labourers or apprentices, employers’ liability insurance is legally required in the UK.

  • Legal requirement if you employ anyone
  • Minimum £5m cover by law
  • Protects against employee injury claims
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Why Choose a Combined Insurance Package?

A combined painter and decorator insurance policy offers simplicity, value and peace of mind.

  • One renewal date and one policy document
  • Often cheaper than separate policies
  • Covers multiple risks under one package
  • Easy to upgrade as your business grows

Who Is Combined Painter & Decorator Insurance For?

  • Self-employed painters and decorators
  • Subcontractors working on construction sites
  • Small decorating businesses
  • Tradespeople working on domestic and commercial projects

FREQUENTLY ASKED QUESTIONS

+- What is combined painter & decorator insurance?

It’s a package policy that combines public liability, tools, personal accident and optional employers’ liability into one policy.

+- Is a combined policy cheaper?

In most cases, yes. Combined policies are usually more cost-effective than buying covers separately.

+- Can I add or remove covers?

Yes. Combined policies are flexible and can be tailored to suit your specific business needs.

+- Does it cover subcontract work?

Yes. Combined painter and decorator insurance can cover subcontract work on domestic, commercial and construction sites.

+- Do I still need employers’ liability?

Only if you employ staff or labourers. It can be included in the combined policy if required.

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