Painter & Decorators Insurance

  • Flexible cover designed for painters and decorators 
  • Compare quotes from a wide range of insurers now
Gold Trusted Service Award - Feefo 2020
Platinum - Trusted Service Award - Feefo 2021

What is Painter & Decorator Insurance?

From painting bedroom, garden and kitchen walls through to decorating lounges, bathrooms and games rooms, your creative talent knows no end, and therefore, neither should your business. A painter and decorator insurance policy can protect your work, your equipment and your team from any liabilities, and provide compensation to ensure business practices are left unhindered. We know no two painters or decorating professionals are ever the same, and therefore, neither are the policies we can provide. Here at The Insurance Octopus, you can mix and match your cover, only taking out what you need, with assistance from an insurance expert with much experience in your field. Like you, we know that reputation is everything, and that’s why we strive for excellence in customer service, as highlighted by our positive testimonials, and being a Feefo Platinum awarded company.

For access to the top-rated insurers, and your own bespoke quote, please fill in our useful form, or request a call back, and we’ll design a package that works for you. And when it’s time to update your policy – perhaps due to business growth and expansion – we’ll assist without charging administration fees for mid-term adjustments.

What may be included in a Painter & Decorator Insurance package?

Public Liability Insurance

From spilt paint that ruins the carpet to plaster that falls on a client’s head, this policy will cover any harm or damages done, and provide compensation.

Employers Liability Cover

In the UK, it’s a legal requirement to protect your staff – including volunteers, part-time employees and subcontractors – from any injury or illness caused whilst working for you, which is what this policy can do.

Personal Accident Cover

Your safety is just as important as your team’s and your clients’. With Personal Accident insurance, your health and well-being is protected, providing either a lump sum or weekly benefit. 

Contract Works

If the site or project you’re working on is ruined or damaged, we’ll find cover to protect you against any costs required to start again and complete it to the highest standards. 

Get a quote.

Why you need Painter & Decorators Insurance

Your business insurance policy through 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. 

Painter & Decorators Insurance FAQs

  • I’ve made a claim on a previous painter decorators policy, can you cover me?

    Yes, speak to our team, we’d be more than happy to discuss your options. Contact us on 0161 968 2041.

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  • How quickly can I arrange cover?

    Conveniently, the cover can be arranged on the exact same day of chatting to one of our agents or ordering your insurance online. This is because it is the best way for them to keep food fresh at the moment.

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  • How much does insurance for painter and decorators cost?

    Painters and decorators often work closely with clients, spending plenty of time in their properties, homes or spaces. This may mean that public liability insurance needs to be of a higher coverage to ensure the safety of your clients. Painting and decorating tools also tend to be smaller, lighter and easier to steal in comparison to many other construction and home-improvement trades. Because of this, the insurance prices can vary hugely, but they do tend to be on the lower side of the spectrum as it is easier to replace and claim for these problems.

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A full range of covers in one policy to protect
you in your painting and decorating trade

Commercial insurance specialists

One of our tradesman insurance experts 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.


Flexible payment options

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.

Why choose The Insurance Octopus for Painters & Decorators Insurance?

We proudly make buying insurance simple and transparent, and our sourced cover comes with a range of benefits. 

Up to £5 million of cover

Claims can be expensive, that’s why we source cover that offers up to £5 million worth of public liability cover for shops. With more available upon request. 

Simple specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A team that knows your industry

We’ll connect you with an agent who understands many of the challenges you face and can truly get to grips with the type of cover you need. 

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

How Painter & Decorators Insurance works

Examples of Painter Decorators Insurance in action

Painters Injury Leads to Lengthy Lay-Off

A painter-decorator is tasked with plastering a room but has a very short time frame to get the job done. He mixes a large amount of plaster, then attempts to carry the mix into the room. The plaster is extremely heavy, and in his haste he uses an improper technique when lifting. The sudden jolt of pain in his back turns out to be a slipped disk, which rules him out of work for several months. Fortunately, he had taken out Personal Accident Insurance, which provides him with a weekly benefit payment to see him through his recovery.

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