One of the most common questions painters and decorators ask is: Do I need public liability only, or should I choose a combined or package policy?
The answer depends on how you operate, the size of your business, and the risks you face. This guide explains the differences clearly so you can choose the right level of protection.
Public liability insurance is the most basic and commonly purchased cover for painters and decorators.
Combined insurance bundles multiple covers into one policy, offering broader protection than public liability alone.
Package policies provide the most comprehensive protection, bringing all major covers under a single tailored policy.
Choosing the right policy depends on how exposed your business is to risk. Many painters start with public liability and move to combined or package cover as they grow.
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