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Business Insurance for Self-Employed Painters and Decorators
As a painter and decorator, your reputation's built on quality work. But sometimes, problems happen; someone gets hurt, property is damaged, or tools are stolen. That is why it is important to have insurance cover. With business insurance for painters and decorators, you can quickly recover when things go wrong and get on with what you do best.
Painters’ and decorators’ public liability insurance can help to cover the costs of mishaps like spilt paint or broken windows if a client claims compensation. Public liability insurance is the core cover of your business insurance package.
If you employ any kind of assistant, you'll want to look after them if they're hurt or ill through their work with you. Employers’ liability insurance can provide financial compensation for your employees, and is usually a legal requirement for any employer. You can include employers’ liability in your public liability package.
Public liability cover can help to secure your business against compensation claims and legal fees if members of the public are injured or their property is damaged due to the work you do.
Do I need painter and decorator insurance?
Painter and decorator business insurance is an important consideration for self-employed workers or small business owners. For example, if somebody is injured, you'll need dedicated insurance to cover the possible costs of compensation.
A core component in business insurance for painters and decorators is public liability cover. This can cover you for damage to third-party property as well as injuries involving your equipment or materials. You can choose the level of cover to meet your needs.
What is covered under painter and decorator insurance?
Aon can arrange a business insurance package for painters and decorators that you can customise to your business needs. Public liability is the main cover of a business insurance package and can help with costs of compensation in the event of third-party injury or property damage.
You’ll usually be required by law to have employers’ liability insurance if you employ anyone else. Typical packages can also include tools, business equipment and stock cover.
What is not covered under painter and decorator insurance?
It’s important to read your policy documents for the details of what you are and what you’re not covered for. You’ll be required to have the right security measures in place to be covered for theft, and gradual wear and tear is usually not covered.
How much is painter and decorator insurance?
How much you pay for your business insurance package will vary depending on factors such as the number of covers you choose and how much cover you want to buy. Where your business is based can also influence the premium you’ll pay.
Whether or not you’ve claimed before can also affect premium costs. But if you're able to pay a greater excess – the amount you pay towards any claim – it can lower your monthly outlay. Geographical location and your business size are also factors.