Painting and decorating insurance Painting and decorating insurance

Public liability insurance for painters and decorators covers you for accidental injury and property damage claims made against you by the public (including clients) as a result of your work.

You can choose from cover limits of £1m, £2m and £5m.

Employers' liability insurance is a legal requirement for most employers in the UK, regardless of whether your staff are full-time, part-time, apprentices, contracting or temporary.

If you don't have employers' liability insurance and you're found to have employees, you can be fined up to £2,500 for every day you weren't insured.

Our employers' liability cover includes a £10 million limit as standard as well as up to 50 days’ cumulative cover each year for all temporary employees (who don't need to register with us).

Contract works cover insures you for incidents that are out of your control at your contract job – such as theft, fire, water and wind damage – as well as accidents that can delay the completion of a job. You can add this to your insurance policy as an optional extra, with limits of up to £500,000.

You will be covered for contract works in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man as well as temporarily (for up to 180 days) elsewhere in the EU.

When you're working onsite at a job or traveling between sites, unfortunately tools and important pieces of equipment can get lost, damaged or stolen. Our equipment cover makes sure your tools are protected, so you can quickly and easily replace or repair them.

Tools and equipment cover is an optional extra with us, with limits of £10,000 in total and £1,000 per item.

To minimise risk, we recommend securely locking up your equipment when you're not using it. If you're often on the road, we can also offer additional cover to protect your tools while they're in a vehicle overnight.

Please note that portable tools and equipment cover does not include construction plant and machinery or hired in plant. You can choose to add this cover with limits of up to £25,000 for for plant and machinery owned by you, or up to £50,000 for hired in plant and machinery.

While your valuable electronics such as your phone or laptop are covered, you won't be covered if the damage is as the result of hacking. To be protected against malicious hacking, you may wish to consider cyber insurance.

On top of tools, you may also need cover for the materials you're using on site. We provide protection for materials such as plaster, paint and tiles from theft and damage, up to a claims limit of £5,000.

As with your tools, it's important to take precautions with your work materials, meaning they should be stored securely at your business premises or in a vehicle while they're in transit.

Being on site has a lot of risks for you, too. And a serious injury could mean you're left unable to work. If this happens, our personal accident cover can pay compensation of up to £10,000 in the event that you lose your sight, hearing, speech or a limb, or become permanently disabled.

This covers anyone working for the business up to the age of 75, but it does not cover temporary illnesses and injuries, such as broken limbs.

We always like to offer you cover that protects you and your business in as many scenarios as possible. However, there are some important exclusions to what's covered that you should know about. We can't offer cover:

• if your work involves the discharge of fumes, effluent or anything of a noxious nature
• if you use welding plant or equipment or flame cutting equipment
• for any loss or damage due to terrorism (business tools, plant and equipment, hired in plant and contract works covers only)