If you are a self-employed painter and decorator, your work exposes you to daily risks – from damaging a client’s property to accidental injury caused by paint spills, ladders, or equipment. Whether you work alone, subcontract on construction sites, or take on domestic redecorating projects, the right insurance protects your income, reputation, and livelihood.
Public liability insurance protects you if your work causes injury to a third party or damages their property. For painters and decorators, this is the most important policy and is often required by clients, landlords, letting agents, and construction contractors.
Your tools are essential to your business. Tools and equipment insurance covers the cost of replacing stolen, lost, or damaged items, whether taken from a van, site, or storage location.
As a self-employed painter and decorator, you don’t receive sick pay if you’re injured. Personal accident cover provides a financial safety net if you’re unable to work following an accident.
If you offer advice on finishes, materials, colour schemes, or surface preparation, professional indemnity insurance protects you against claims that your advice caused financial loss.
Many self-employed painters and decorators underestimate their exposure to claims. A single incident can result in thousands of pounds in compensation, repair costs, and legal fees.
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