Getting insurance as a painter and decorator
Working for yourself can be hard enough – dealing with new business enquiries, completing painting jobs on time and keeping on top of the paperwork. But extra hassle like an unhappy customer, accidental damage to property, or an injury to you or an employee can be stressful and expensive. Hiscox business insurance for painters and decorators provides cover for the unexpected, so you can get on with your business.
Why you need business insurance as a painter and decorator
Falling off a ladder
It may seem like a cliché, but if a ladder collapses while an employee is painting a kitchen or they don’t notice an uneven surface, falling off could see them out of action for several weeks. That means lost money for the business and future other work too, plus they might make a claim against you for the injury. Hiscox employer liability cover can take away some of the stress by helping with the costs of defending yourself against a claim.
When the ceiling comes down
Imagine part of a newly plastered ceiling in a client’s living room collapses while you’re decorating it. It’s almost certainly not your fault, but a client might see it differently. Whether you’re right or not, you may well face a claim and your public liability insurance will cover your legal costs to defend yourself, as well as any settlement you need to pay.
Laptop and mobile phone theft
Your painting and decorating business relies on specialist tools, but you need to think about your laptop and mobile phone too. If they’re stolen, you have no way of contacting your clients or dealing with your invoicing and accounts. With Hiscox office equipment you can sort replacements quickly, so you’re able to get back on track.
If you’re not sure what you need, tell us a bit more about your work as a painter and decorator. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for painters and decorators
Public liability insurance
Whether you’re painting a public building or refreshing someone’s dining room, you’re working with people. Public liability insurance ensures you’re covered if someone believes they’ve been injured or their property was damaged because of you, your employees or the work you do for them. Your business insurance for painters and decorators will pay compensation on your behalf as well as the legal costs of defending any claims brought against you.
Employers' liability insurance
If you employ other people, you need to have employers' liability cover in place. It’s not just for permanent employees – contractors, volunteers or even a friend helping out at the weekend could suffer illness or injury and if it means they have to miss their normal job, they may take legal action against you for compensation. If they make a claim, we’ll be there to help with the costs of defending yourself and any settlement you may have to make.
Portable equipment insurance
Your trade depends on your specialist skills and experience, but your equipment is important too, whether they’re your own tools that you keep in the van or a specialist piece of equipment you’ve hired in especially for the job. If they break, or they’re stolen, they can be covered for replacement or repair with portable equipment insurance cover as part of your business insurance for painters and decorators policy from Hiscox.
These are just some of the types of business insurance for painters and decorators that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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