Painter & Directors

Painter and Decorators Insurance


As a professional painter or decorator, the last thing you want to worry about the possible loss, damage or theft of your tools and equipment, or expensive claims as a result of an employee or member of the public being injured or killed due to your work.

Working in a profession that has poses many risks to both you or other people means you need to have the right insurance to cover you should something go wrong. Help to manage these risks and keep your business safe with a tailored painter and decorators business insurance package from The Insurance Octopus, ensuring you have all the essential cover you need in one simple business insurance policy.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Painter and Decorators Insurance Policy includes


Public Liability cover

Public Liability insurance covers your business if someone gets hurt or property is damaged in the course of your business. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurers terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.

Employers Liability cover

Employers Liability insurance is a legal requirement if you employ anyone or pay sub contractors to complete works on your behalf with your tools and equipment. As an employer, you do have a legal responsibility to ensure that you have provided a safe and secure workplace for employees and visitors. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.

All Risk insurance cover

All Risk insurance covers your possessions away from your business premises or home such as a laptop, tools of your trade, mobile phone.

Contract Works or Contractors all Risks cover

Contract Works or Contractors All Risks cover will insure your construction works plus materials, should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. An example of this would be if you are completing an extension and it is damaged or destroyed by fire, you would have to complete the work again. Contract Works cover will provide the protection you need in this instance, and is available as a single one off policy or as a yearly policy.

Legal cover

Legal Cover will help you if there is property damage or injury that has caused by your own actions which could leave you vulnerable to legal court proceedings. Clients, employees or the public may sue you for damages so it’s important to ensure you have suitable cover in place.

Personal Accident cover

Personal Accident cover provides compensation on an agreed scale for death or bodily injury, but excludes illness or disease. Cover can be provided for all Proprietors, Partners, Directors and Employees, but it is not possible to insure selected individuals.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why you need Painter and Decorators Insurance


Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a painter or decorator could need whilst working including liabilities, full tool and equipment cover.

You can also add additional covers to help you tailor your business insurance policy to the needs of your business. For example, if you are a specialist in a particular field of trade you may need to amend your policy to be specific to your business; you can specify areas such as working up to 50 meters in height.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

One of our Tradesman Insurance Specialists will discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring that you get a bespoke policy where you only pay for the cover you need.

Trade insurance options available via our panel of UK brokers covering you for sector specific situations as required. We can provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit.

Get in touch today for a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm