Painting and decorating work often takes place in occupied homes, commercial premises and shared spaces. This exposes painters and decorators to a high risk of customer injury claims - even when work is carried out carefully and professionally.
Slips on wet floors, trips over tools, falling ladders, or accidental contact with equipment can all result in serious injury claims. Public liability insurance is designed to protect you financially if a customer, visitor or member of the public is injured as a result of your work.
Wet paint, dust sheets, trailing cables and floor coverings can easily create trip hazards, particularly in domestic environments.
Ladders, paint tins, rollers and tools can fall or be knocked over, causing injury to clients, residents or visitors.
Fumes, solvents and specialist coatings can cause respiratory issues, skin reactions or eye injuries if customers are exposed.
Property damage can indirectly cause injury, such as loose fixtures, damaged flooring or broken fittings.
Customer injury claims can be costly, time-consuming and stressful. Even minor injuries can result in compensation claims running into thousands of pounds.
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