Limited Company Painter & Decorator Insurance

Specialist insurance designed for UK painting & decorating businesses operating as limited companies

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  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance Built for Limited Company Painters & Decorators

Running a painting and decorating business through a limited company brings credibility, tax efficiency, and growth potential - but it also introduces higher legal, contractual, and financial risk.

Insure24 provides specialist painter & decorator insurance packages designed specifically for limited companies, covering directors, employees, contracts, tools, vehicles, and client liabilities.

Core Insurance Covers for Limited Company Decorators

Public Liability Insurance


  • Injury to members of the public
  • Damage to client property
  • Overspray, spills, and accidental damage
  • Claims from domestic & commercial clients
  • Contractual liability requirements

Employers’ Liability Insurance


  • Legally required if you employ staff
  • Covers labourers, apprentices & PAYE staff
  • Claims for injury or illness at work
  • HSE investigation defence costs
  • £5m+ statutory cover limits

Professional Indemnity


  • Design advice & specification errors
  • Colour, finish & material disputes
  • Contractual breach allegations
  • Rectification & legal defence costs

Tools, Plant & Equipment


  • Owned and hired-in tools
  • Theft from vans or sites
  • Accidental damage
  • Sprayers, scaffolding & access equipment

Why Limited Company Painters Need Specialist Insurance

Limited companies face greater scrutiny from clients, main contractors, insurers, and regulators. Contracts often impose higher indemnity limits, stricter wording, and additional cover requirements.


  • Higher contractual liability exposure
  • Directors’ personal risk
  • Multiple employees and subcontractors
  • Commercial and local authority clients
  • Larger claim values

Directors’ & Management Liability

As a director of a painting & decorating limited company, you carry personal responsibility for business decisions, compliance, and governance.


  • Director disqualification proceedings
  • Health & safety enforcement
  • HMRC and tax investigations
  • Employment tribunal claims
  • Personal asset protection

FREQUENTLY ASKED QUESTIONS

+-Do limited company painters need different insurance?

Yes. Limited companies face higher contractual, legal, and financial exposure than sole traders, and insurers rate them differently.

+-Is employers’ liability mandatory?

Yes, it is a legal requirement if your limited company employs anyone - even part-time or apprentices.

+-Are subcontractors covered?

Cover depends on labour-only vs bona fide subcontractors. We structure policies to meet contract terms.

+-Can tools be insured away from site?

Yes. We can insure tools in vans, storage units, and multiple job sites.

+-How quickly can cover start?

Same-day cover is available, often within minutes once details are confirmed.

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