Painting and decorating is often perceived as a low-risk trade, but in reality it carries significant legal, contractual and insurance obligations - especially when working in occupied premises, at height, or under formal contracts.
Failing to meet legal or contractual requirements can lead to disputes, rejected payments, uninsured claims or even prosecution in serious cases.
This guide explains the key legal and contract requirements painters and decorators should understand, and how insurance plays a critical supporting role.
Painters and decorators in the UK must comply with a range of legal duties, regardless of whether they are sole traders or limited companies.
If you use labour - even on a casual or short-term basis - you may have legal obligations as an employer.
Many disputes arise not from poor workmanship, but from unclear or misunderstood contract terms.
Insurance does not replace legal compliance, but it plays a vital role in meeting contractual obligations and protecting your business if something goes wrong.
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