Employers’ liability insurance protects painting and decorating businesses against claims made by employees who suffer injury or illness as a result of their work. It is a legal requirement in the UK for most businesses that employ staff or use labour-only subcontractors.
If a decorator falls from height, suffers solvent exposure, develops respiratory illness or is injured using equipment, employers’ liability insurance covers compensation, legal defence costs and associated expenses.
Many painters assume they do not need employers’ liability insurance - often incorrectly. You will usually require cover if you have any control over how someone works for you.
Painting and decorating involves working at height, using chemicals, and repetitive manual tasks - all of which increase employer exposure.
Insure24 helped us stay compliant and win council decorating contracts. Clear advice and the right level of cover.
Director – Painting Contractor, UKIs employers’ liability insurance legally required?
Does it cover labour-only subcontractors?
How much cover do painters need?
Do limited companies need employers’ liability insurance?
How quickly can cover be arranged?
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