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Tools, Equipment & Owned Plant Insurance for Painters & Decorators
Your tools, equipment and plant are the backbone of your painting and decorating business. Without them, work stops - and income stops with it.
Tools, Equipment & Owned Plant Insurance from Insure24 is designed specifically for painters and decorators who rely on ladders, spray units, power tools, access equipment and specialist machinery to complete jobs safely and efficiently.
Whether you are a sole trader, small business or limited company painter and decorator, this cover protects your equipment against theft, accidental damage and loss - at home, in transit or on site.
What Does Tools & Equipment Insurance Cover?
Tools & Hand Equipment
Cover for everyday tools used by painters and decorators, including both hand tools and powered equipment.
- Brushes, rollers and decorating kits
- Electric sanders and power tools
- Spray guns and paint spraying units
- Mixers, heaters and drying equipment
Ladders, Access & Working at Height Equipment
Ladders and access equipment are among the most stolen and damaged items on site.
- Step ladders and extension ladders
- Tower scaffolding
- Mobile access platforms
- Decorating stilts and specialist access tools
Owned Plant Insurance for Painters & Decorators
Owned plant refers to higher-value machinery and equipment owned outright by your business. These items often fall outside standard tools cover and require specialist insurance.
- Airless spray machines
- Compressors and industrial spray systems
- Mechanical access equipment
- Large drying and extraction units
Where Are Your Tools & Equipment Covered?
At Your Premises
Cover applies when tools are stored at your home, garage, workshop or business premises, subject to security conditions.
In Transit & On Site
Tools and plant can be insured while being transported between jobs or while left on site during working hours.
Why Tools & Plant Insurance Is Essential
Tool theft is one of the most common claims for tradespeople in the UK. A single incident can result in thousands of pounds in losses and days or weeks of missed work.
- Avoid costly replacement expenses
- Reduce downtime after theft or damage
- Protect cash flow and job schedules
- Meet contract and site insurance requirements
FREQUENTLY ASKED QUESTIONS
+-Are my tools insured if stolen from a van?
+-Does this cover include owned plant?
+-Are tools covered on site?
+-Is tools insurance legally required?
+-Can cover start immediately?
Related Covers
Keep comparing the pages most relevant to access gear, hired equipment, theft, transit and the wider painter/decorator policy package.