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Insurance Designed for Painter & Decorator Subcontractors
If you work as a painter and decorator subcontractor, your insurance requirements are very different from domestic sole traders. Main contractors, developers and site managers typically insist on minimum levels of public liability cover, proof of insurance documents and compliance with site health and safety rules.
Insure24 provides specialist painter and decorator subcontractor insurance that protects you while working on construction sites, commercial refurbishments and large-scale projects - helping you stay compliant, win contracts and protect your income.
Essential Covers for Subcontractor Painters & Decorators
Public Liability Insurance
Public liability insurance is mandatory for most subcontractors. It protects you if your work causes injury to third parties or damages property on site.
- Accidental paint spills and overspray
- Damage to completed works or other trades
- Injury caused by ladders, platforms or tools
- Typical limits £2m – £5m+
Tools & Equipment Insurance
Subcontractors rely heavily on their own tools and equipment. Tools insurance protects against theft, loss or damage on site, in transit or from locked vehicles.
- Hand tools, ladders, spray units
- Theft from construction sites
- Cover in vans and secure storage
- Optional hired-in equipment cover
Personal Accident Insurance
If you’re injured and unable to work, personal accident insurance provides financial support, helping cover lost income while you recover.
- Weekly benefit payments
- Cover for fractures and serious injuries
- Lump sums for permanent disability
Employers’ Liability (If Required)
If you hire labourers, mates or apprentices - even casually - employers’ liability insurance is a legal requirement in the UK.
- Legal requirement if you employ staff
- Minimum £5m cover by law
- Protects against employee injury claims
Cover for Construction & Commercial Sites
Painter and decorator subcontractors face higher-risk environments than domestic decorators. Our policies are designed to meet site conditions and principal contractor requirements.
- Work at height using ladders and access equipment
- Commercial refurbishments and new builds
- RAMS and insurance compliance
- Contractor and developer approval
FREQUENTLY ASKED QUESTIONS
+- Do painter and decorator subcontractors need insurance?
+- How much public liability cover is required?
+- Does subcontractor insurance cover construction sites?
+- Are my tools insured on site?
+- Do I need employers’ liability if I work alone?
Related Covers
Move into the most relevant pages for contract wording, joint responsibilities, liability limits and site-compliant protection.