Whether you are a sole trader, limited company or subcontractor, painting and decorating involves working in client properties, using specialist equipment and carrying contractual risk. The right insurance protects your business, income and reputation if something goes wrong.
This guide explains the core insurance policies most UK painters and decorators need, why they matter, and when additional cover may be required.
Public liability insurance protects you if your work causes injury to a third party or damage to property. It is the most important cover for painters and decorators.
Employers’ liability insurance is a legal requirement if you employ anyone, including apprentices, labourers or casual staff.
Professional indemnity insurance covers financial loss caused by advice, specification errors or contractual disputes.
Tools and equipment insurance protects your business if essential kit is stolen, damaged or vandalised.
The right level of cover depends on your turnover, contract size, client requirements and whether you operate as a sole trader or limited company.
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