Professional Indemnity Insurance for Painters & Decorators

Contractual risk protection for advice, specification errors and workmanship disputes

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Professional Indemnity Cover for Decorating Contracts

Professional indemnity insurance protects painters and decorators against claims arising from professional advice, specification errors, design responsibility, and alleged failures to meet contractual obligations.

If a client claims that your advice, colour selection, product recommendation or specification caused financial loss, professional indemnity insurance covers legal defence costs and compensation.

What Does Professional Indemnity Insurance Cover?

Advice & Specification Errors


  • Incorrect paint or coating selection
  • Unsuitable materials or finishes
  • Colour advice disputes
  • Failure to meet client specifications

Contractual & Financial Loss


  • Alleged breach of contract
  • Rectification and rework costs
  • Client financial losses
  • Loss of use claims

Legal Defence Costs


  • Solicitors’ fees
  • Expert witness reports
  • Court and arbitration costs
  • Insurer-managed claims handling

Historic Work (Claims-Made)


  • Claims made after work completion
  • Retrospective cover options
  • Continuous cover protection
  • Run-off cover where required

Who Needs Professional Indemnity Insurance?

Professional indemnity is increasingly required for painters and decorators undertaking higher-value, specification-led or contract-based work.


  • Commercial and contract decorators
  • Limited companies
  • Shop-fit and refurbishment contractors
  • Main contractor and local authority work
  • Specification-led projects

Typical Professional Indemnity Cover Limits


  • £100,000 – small domestic contracts
  • £250,000 – mixed residential/commercial
  • £500,000 – contract decorating work
  • £1,000,000+ – main contractor requirements

Why Arrange Professional Indemnity with Insure24?


  • Trade-specific underwriting
  • Contract-aware advice
  • Fast quotations
  • Flexible cover limits
  • Claims support when disputes arise

FREQUENTLY ASKED QUESTIONS

+-Is professional indemnity insurance mandatory?

It is not legally required, but many commercial contracts and main contractors insist on it.

+-Does it cover poor workmanship?

Professional indemnity covers financial loss arising from advice or specification issues, not physical damage - which is covered under public liability insurance.

+-Does it cover historic work?

Yes, provided continuous cover is maintained or retrospective cover is in place.

+-How quickly can cover start?

In many cases, cover can start the same day.

+-Do I still need public liability insurance?

Yes. Professional indemnity and public liability cover different risks and are usually required together.

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