Painter and Decorator Insurance

Painting and decorating is more than just a trade – it’s your livelihood. Whether you’re working on residential, commercial, or industrial projects, accidents can happen. From paint spills on expensive carpets to injuries caused by falling ladders, the risks are real. That’s why having the right painter and decorator business insurance is key to your business risk management strategy.

Kingsbridge offers tailored business insurance to protect against legal claims, financial losses, and unexpected events, so you can focus on what you do best – creating stunning finishes for your clients.

Why do painters and decorators need insurance?

As a painter and decorator, you’re exposed to several risks daily, including:

• Accidental damage: spilled paint, scratched surfaces, or broken fixtures.
• Injuries to third parties: if a client or passerby trips over your tools or equipment.
• Loss or theft of tools: essential business equipment can be expensive to replace.
• Employee injuries: if you employ staff, you are legally required to have Employers’ Liability insurance.
• Work in hazardous environments: projects at height or in confined spaces pose added risks.

Without insurance, you could face costly legal claims or business downtime; making sure you’re properly covered is one of the best ways to ensure you can keep working should a claim crop up. Kingsbridge’s specially designed insurance package ensures you stay protected.

What does painter and decorator insurance cover?

Painters and Decorators Public Liability Insurance

Protects your business if someone is injured or their property is damaged due to your work. This includes property damage caused by accidental spills or mishaps on-site. Public liability insurance for painters and decorators ensures you are financially covered against unexpected claims. This public liability cover helps pay compensation for claims made against you.

• Cover limits from £2 million to £10 million.
• Includes claims such as paint spills, ladder accidents, or broken furniture.
• Covers legal fees and compensation payments.

Employers’ Liability Insurance (Legal Requirement)

If you employ anyone, even part-time or temporary workers, you must have this by law.

• £10 million cover.
• Protects against claims if an employee is injured or falls ill due to their work.

Tools Insurance Cover

Your tools are your business – protect them against theft, loss, or accidental damage. If your equipment is accidentally damaged, this cover ensures you can replace or repair essential items quickly.

• Covers hand tools, spray guns, ladders, and other equipment.
• 24/7 protection, including while stored in your vehicle overnight (conditions apply).

Professional Indemnity Insurance

If a client claims your work caused financial loss, this cover protects you.

• Ideal for decorators who work on commercial contracts.
• Covers claims of negligence, errors, or omissions.

Personal Accident Insurance

If you suffer an injury and can’t work, this cover helps you financially.

• Weekly payments for lost income.
• Lump sum payouts for serious injuries.

Contract Works Insurance

Ensures your projects are protected if unforeseen damage occurs mid-job.

• Covers incidents such as fire, flood, vandalism, or theft of materials.
• Essential for long-term projects or large-scale decorating jobs.

Benefits of choosing Kingsbridge

• Real people, real support: quick access to dedicated UK-based insurance specialists.
• UK-based claims centre: rapid, responsive claims processing managed by an in-house claims team.
• There when you need them: strong history of fair, fast, and hassle-free claims processing.
• Tailored industry expertise: cover specifically built for contractors, freelancers, and small business owners.
• No hidden fees: transparent pricing with no unexpected costs.

How much does painter and decorator insurance cost?

Your premium depends on factors like business size, insurance policy limits, and additional protections. At Kingsbridge, we offer competitive pricing without compromising on quality.

Get an instant, no-obligation quote in minutes and only pay for the cover you need.

FAQs – Painter and decorator insurance

What insurance do painters and decorators need?

Painters and decorators typically need Public Liability, Employers’ Liability, Tools Cover, and Professional Indemnity insurance to safeguard their business, though it’s always best to talk to a knowledgeable broker to make sure your cover is appropriate. Public liability is particularly important as it provides financial protection against third-party claims.

Is public liability insurance mandatory for painters and decorators?

No, but it is highly recommended. Without it, you could be personally liable for costly claims.

Does insurance cover work at height?

Yes, as long as you follow safety regulations and comply with policy conditions.

What happens if a painter or decorator doesn’t have insurance?

If you work without insurance, you could be personally liable for legal costs, compensation claims, and repair expenses in case of an accident. Clients may also refuse to hire uninsured decorators.

Do painters and decorators need professional indemnity insurance?

Professional indemnity insurance is useful if you provide any kind of consultancy service through the course of your job. It covers claims related to errors, omissions, or negligence in your work.

Are self-employed painters and decorators covered under this policy?

Yes, our insurance is designed for self-employed professionals and small business owners who need protection against liability claims, tool theft, and legal disputes.

Does painter and decorator insurance cover damage to a client’s property?

Yes, Public Liability Insurance covers accidental damage to third-party property, such as paint spills on carpets or damage caused by falling tools.

Get covered today

Don’t let unexpected events disrupt your business. Protect yourself, your tools, and your clients with Kingsbridge’s specialised painter and decorator insurance package policy.

Get a quote now or call 01242 312 604 to speak with an expert.