Public liability
Spill or stain damage
Paint, varnish or solvent damage to carpets, flooring or client furnishings.
Trade cover
Painter & Decorator Insurance
Painter & Decorator cover, quoted in minutes. Your quote depends on trade, turnover and cover levels.
Get a quoteTakes about 5 minutes · No card details to get a quotation · Documents by email
The work
Spills, stains and finished interiors
In your line of work, you are the life, color and imagination of all things. However, just like any other trade, accidents can and do happen. Vehicles get into accidents, tools get lost or damaged, unintentional damage occurs and for life’s little unforeseen problems, you need to be covered. Making sure you have the coverage needed to replace your valuable tools, make sure your clients are covered, and your employees as well is what we do. With things like Professional Indemnity insurance you don’t have to worry about financial loss at all. Taking one less stress off your shoulder so you can focus on the perfection you create. Accidents can always happen, no matter how well you're prepared. You need to make sure you're covered for all eventualities, for example, a customer can file a lawsuit if a painter or his employees are negligent on the job. Painters can even also be sued for auto accidents caused by company vehicles. Quick, reliable insurance from Tradesman Insurance 4u can protect a painter's assets by paying for work-related losses, medical bills and legal fees. Protect how you earn your living, today.
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Public liability
Third-party injury
A client or visitor injured because of your work or equipment on site.
Tools
Stolen decorating kit
Optional tool cover for ladders, sprayers and decorating equipment.
On the quote form
Cover you can select
These are the cover options you can build on the form. Your quotation and schedule confirm what applies.
Public liability
The core cover for injury and property damage. Limits from £1m to £10m on our form.
Tools and equipment
Optional cover for theft, loss or accidental damage to your kit.
Employers' liability
Legally required if you employ staff, including part-time or temporary workers.
Prices start from
£59.95 / year
including IPT
or from £5.81 per month
What painter & decorator cover costs
£59.95 is the lowest price available on our quote form for public liability for painter & decorator. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £5.81 a month. The total you pay by instalments is higher than paying in full.
It is not a typical package and most policies cost more.
Illustrative monthly Direct Debit instalments, subject to eligibility. A deposit applies by card; paying in full costs less.
Quote online in minutes
Select your trade and cover on the form.
1
Select your trade
Choose your trade and tell us how your business is set up.
2
Pick your cover
Add public liability, employers' liability, tools and other options.
3
See your price
Your quotation updates as you select limits and extras.
4
Get your documents
When you buy online, documents are emailed straight away.
Claims we have handled
Settled examples from tradespeople. Each outcome depended on the cover in force at the time.
Public liability
An electrician replaced a consumer unit and a short circuit damaged the client's appliances.
Public liability covered the property damage claim.
Scaffolding
A scaffold collapsed onto neighbouring property during erection work.
Public liability responded to the third-party property damage.
Painting and decorating
A decorator knocked over a tin of gloss paint, staining carpets and furnishings.
Public liability covered the damage to the client's property.
Employers' liability
An employee fractured their ankle after falling from a ladder on a customer's site.
Employers' liability covered the employee's injury claim.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
Google reviews
5.0 out of 5 from 368 Google reviews
I dealt with Nick today, great experience, very helpful and informative as well as getting me the best price possible. i would highly reccomend using Nick for your insurance needs
matthew borrowdale
a month ago · Google
Very happy to continue with Tradesman Insurance. The contact was very helpful and straightforward in explaining my questions. I found the premium very reasonable in comparison and will continue with them.
Mark Haynes
3 months ago · Google
Nick was great to deal with on the phone. Explained everything, got me the right policy, and was hassle free. Top man
Jamie Davin
3 months ago · Google
Painter & Decorator Insurance FAQs
Most painters and decorators need public liability. Add employers' liability if you have staff, optional tool cover for equipment, and professional indemnity if you give advice or design work.
It is not a legal requirement for every business, but many clients, sites and contracts expect it. Employers' liability is legally required when you employ staff.
If your work includes advice, plans, specifications or design, professional indemnity protects you if a client suffers financial loss because of an error in your work.
Public liability for painter & decorator starts from £59.95 a year, including Insurance Premium Tax, on our site. £59.95 is the lowest price available on our quote form for this trade. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £5.81 a month, subject to eligibility. Paying in full costs less.
It is not a typical package and most policies cost more.
See your painter & decorator price
Select your trade and limits on the quote form. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Painter & Decorator Insurance
from £59.95 a year or £5.81/month incl. IPT; your price depends on what you select