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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
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?
+- Is a combined policy cheaper?
+- Can I add or remove covers?
+- Does it cover subcontract work?
+- Do I still need employers’ liability?
Related Covers
Combined-policy pages should route users into the main sections that get bundled together for painters and decorators. These links keep package-policy intent focused on related painter insurance pages.