Painters and Decorators insurance
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Why do painters and decorators need insurance?
Painting and decorating often means working in customers’ homes or on busy work sites, where even the smallest of mistakes can lead to big problems. If you accidentally spill paint, damage a surface, or a customer or third party gets hurt while you’re working, painters and decorators insurance can help cover the costs.
In some cases, clients or contractors may even require proof of public liability insurance before you can start the job. Public liability insurance specifically can help cover claims for property damage or injuries to third parties.
What is painters & decorators insurance?
Whether you're freshening up a room with a coat of paint or working on a full-scale commercial decorating project, we understand that accidents can happen. Paint spills, damaged surfaces, or even injuries – things don’t always go according to plan. That's where painters and decorators insurance can step in to help protect your business. From public liability to tools cover, we’ve got the right protection for you.
Your painters & decorators insurance cover options
There are three levels of cover available depending on the scope of your work and the level of protection you need:
Essentials
Our painters and decorators Essentials package includes Public Liability insurance and third party cover for Financial Loss.
✔ Public Liability insurance (up to £5 million)
✔ Third Party Financial Loss (£100,000)
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Painters and decorators who need a simple starting point for liability cover
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover (£100,000)
✔ Third Party Financial Loss (£100,000)
✔ Capital Death Benefit
✔ Tools cover from £1,000 (up to £15,000)
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Those who want broader protection, including cover for tools and professional advice.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Our most comprehensive option, the Plus package builds on the Classic by further adding Temporary Total Disablement Benefit, which can be increased based on your needs.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover (£100,000)
✔ Third Party Financial Loss (£100,000)
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Temporary Total Disablement Benefit up to £600 a week per person
✔ Employers' Liability insurance (£10 million available as an optional addition)
Suitable for: Painters and decorators looking for a higher level of cover, including a weekly payment if you’re unable to work due to an injury
Also includes: Price Freeze (2 years, T&Cs apply)
Optional Extras
You can also choose from our list of optional extras depending on the type of painting and decorating work you take on.
✔ Contract Works
✔ Owned Plant
✔ Hired in Plant
✔ Jury Service cover
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
What does painters and decorators insurance cover?
Public Liability Insurance
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Covers injury to third parties or damage to their property.
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Example: If paint is accidentally spilled on flooring, furniture, or fixtures while you’re working, this cover can help with the cost of repairs or replacement.
Professional Indemnity
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Professional indemnity insurance covers any issues with advice or specifications given to clients.
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Example: “If advice you give about materials or finishes leads to a problem for your client, this cover can help with the cost of resolving it.
Temporary Total Disablement
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Provides a weekly payment if you’re unable to work due to injury (subject to policy terms).
Third Party Financial Loss
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Covers financial losses experienced by a third party as a result of your work.
Plant & Machinery cover (Optional)
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Covers owned or hired-in plant, and can include hire charges.
What work is covered?
“Cover can apply to a wide range of painting and decorating jobs, including:”
✔ Decorating and finishing work
✔ Wallpapering
✔ Surface preparation
✔ Residential and commercial work
Who is this cover for?
✔ Painters
✔ Decorators
✔ Contractors and subcontractors
✔ Sole traders, partnerships, SMEs, and limited companies
✔ Businesses with turnover up to £3 million
How much does painter decorator insurance cost?
The cost of your insurance will depend on factors like the type of work you do, the size of your business, and the level of cover you choose:
✔ Type of work
✔ Risk level
✔ Number of employees
✔ Level of cover
✔ Claims history
Why choose Trade Direct Insurance?
✔ 40+ years of experience
✔ Underwritten by Zurich Insurance Co Ltd.
✔ Part of Kelliher Insurance Group
✔ UK-based support team
✔ Fast quote and immediate cover
Cover built for trades, not suits.
FAQs - Painters and Decorators Insurance
Tools Insurance
Van Insurance
Public Liability Insurance
Get your painters and decorators insurance quote today
Straightforward cover that works around your jobs. Quick to set up and ready when you need it.