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Painter and decorator insurance
Coverage for liability claims and tool replacements
Meet legal requirements and build client trust with comprehensive insurance
Minimise financial risks and focus on delivering quality painting and decorating services
Helping businesses with insurance for over 70 years
Finding you the correct cover
Get an online quote in 10 minutes, our experts are here to understand the finer detail.
In-house claims team
Here to guide you through the unfortunate event of a claim.
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More than 100 insurers are included in our panel, allowing us to find the correct cover for all of your needs.
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Proven broker, we won silver in the Insurance Times award for Commercial Lines Broker Of The Year, 2022.
Search our panel of painter and decorator insurance specialists to find competitive cover
We work with a range of painter and decorator insurers from household names to small specialist insurers to find the best policy for your business.
What is painter and decorator insurance?
Painter and decorator insurance is specialist coverage that’s designed for professionals in this industry. It typically includes different types of insurance to cover the different risks faced by painters and decorators. For instance, public liability insurance is included to protect against accidental damage and injuries.
This comprehensive protection is necessary to keep professionals safe from the financial risks associated with this work. It can also prevent legal repercussions and improve client relationships. Importantly, it allows you to operate confidently and focus on your craft, all without worrying about potential claims or losses.
Why painter and decorator insurance is important
- Protects against liability claims: Accidents happen. Public liability insurance covers injury or property damage caused during work, which shields painters from costly compensation claims.
- Covers tool replacement costs: Specialist tools and equipment are expensive. With insurance in place, you can effectively replace stolen, damaged, or lost tools – minimising business interruptions in the process.
- Boosts professional credibility: Unsurprisingly, clients prefer insured professionals. Insurance builds trust and demonstrates responsibility, which can give you a competitive edge against other painters and decorators.
- Legal compliance: When hiring staff, you are legally required to obtain employers’ liability insurance. This covers injury or illness claims. Without insurance, you face severe fines and legal repercussions.
Types of business insurance for painters and decorators
Public liability insurance
Imperative for covering claims relating to third-party injuries or property damage during painting and decorating work. Liability insurance shields against costly legal and compensation expenses.
Tools insurance
There’s always the possibility your equipment can be stolen or damaged. Tools insurance ensures minimal disruption to your work, as well as avoids costly replacements.
Contract works insurance
Covers damage, such as fire or weather-related incidents, to ongoing projects. It means work can resume without financial setbacks.
Employers' liability insurance
Protects against claims from staff injuries or illnesses caused while working under your employment. This is a legal requirement when hiring employees in the UK.
How much does painter and decorator insurance cost?
Painter decorator insurance costs are not fixed. This means they differ depending on the type of coverage required. For instance, a sole trader will pay less insurance than a company hiring multiple employees. The price for basic coverage can be found at £125 per year. However, this can multiply if you require additional insurance types, if you employ staff, and based on the general size of your business.
Finding the best price for painter and decorator insurance requires searching around and comparing quotes. That’s how Radius can assist.
Getting painter and decorator insurance from Radius
Radius specialises in tailored insurance solutions for painters and decorators. If you want comprehensive protection for your business, where no aspect is overlooked, we have got you covered – pardon the pun. That’s not all. With a panel of 120 insurers, we thoroughly search to find the most competitive insurance quotes that match your needs.
With over 400,000 satisfied customers, trust Radius to protect your business. Let us handle your insurance requirements while you focus on delivering high-quality painting and decorating work.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
What insurance does a painter and decorator need?
Do painters need public liability insurance?
What happens if you don’t have employers’ liability insurance?
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UK Fuels, Joseph W Burley and Partners (UK) Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.