Painters and decorators working as subcontractors are often required to operate under main contractor insurance arrangements. In many cases, contracts demand that work is insured on a joint names basis.
Joint names cover protects both the subcontractor and the principal contractor under the same insurance policy, preventing disputes, uninsured losses and recovery actions between parties if a claim arises.
Joint names insurance lists both the subcontractor and the main contractor as insured parties under the same policy for specific project risks.
Many construction contracts and subcontract agreements require joint names cover as a condition of working on site.
Without correct joint names or subcontractor risk cover, painters and decorators can face significant uninsured exposures.
In the event of a claim, insurers may attempt to recover costs from uninsured parties. Joint names cover removes this risk and ensures claims are handled smoothly.
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