Painter and Decorator Insurance
Specialist insurance for painters and decorators working across domestic properties, commercial premises and construction sites.
Whether you are self-employed or run an established painting and decorating company, we can help arrange cover that reflects the work you undertake.
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Insurance for Painters and Decorators
CHAS Insurance is a national broker arranging specialist insurance for painters, decorators and painting contractors across the UK.
Painting and decorating often takes place in finished or occupied properties. Accidental spills, damage to flooring or fixtures and injuries involving equipment can all lead to claims.
The right insurance will depend on the type of projects you undertake, where you work and whether you employ staff or use subcontractors.
We take the time to understand your business before arranging cover.
Contact CHAS Insurance today to arrange painter and decorator insurance.
Our Simple Three-Step Process
Contact Us
Contact us by completing our online contact form or give us a call.
Answer Questions
You’ll receive a series of questions to answer to give us more information.
We’ll Be In Touch
We’ll contact you within 48 hours to discuss your insurance quote and get set up.
Business Insurance for Painters and Decorators
Painting and decorating businesses can work across homes, offices, retail units and larger commercial developments.
Your insurance should reflect whether you work at height, use heat-based equipment, operate in occupied properties or take on work as part of a wider construction project.
CHAS Insurance arranges cover for sole traders, small teams and larger painting companies.
Labour-only subcontractors may be treated as employees for insurance purposes. We will review how your workforce is structured when arranging cover.
What Does Painter and Decorator Insurance Cover?
Painter and decorator insurance can combine several covers within one wider business insurance arrangement.
The right policy will depend on the work you undertake and the risks involved.
Public Liability Insurance for Painters and Decorators
Public liability insurance protects your business if your work causes injury to another person or damage to their property.
This could include spilled paint damaging flooring or a client tripping over equipment in the work area.
Employers’ Liability Insurance
Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.
It covers claims from employees who are injured or become ill because of their work.
Contractors All Risk Insurance
Contractors all risk insurance can protect work in progress, materials and certain equipment while a project is underway.
It may be relevant where you remain responsible for work before completion and handover.
Tools and Equipment Cover
Tools cover can protect spraying equipment, sanders, ladders and other essential items against theft, loss or damage.
The insurer will need to know the value of your equipment and where it is stored.
Professional Indemnity Insurance
Professional indemnity insurance may be relevant if you provide specifications, colour consultancy or professional design advice.
It can protect the business if an error in that advice causes a client financial loss.
Supporting Accredited Painting and Decorating Contractors
CHAS Insurance works with contractors that need to meet the requirements of schemes including CHAS, Constructionline and SafeContractor.
Commercial clients and principal contractors may ask for proof of insurance before work begins.
We can help you understand those requirements and arrange appropriate documentation.
Get a Painter and Decorator Insurance Quote
CHAS Insurance arranges business insurance for self-employed decorators, painting companies and larger contractors across the UK.
Your cover will be based on the work you undertake, your workforce and the environments in which you operate.
Speak to our team today for a tailored quotation.
We work with contractors accredited by the following organisations…
Frequently Asked Questions
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Is painter and decorator insurance a legal requirement?
Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.
Other covers may not be legally required, although clients and principal contractors may ask for them.
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Do painters and decorators need public liability insurance?
Public liability insurance is strongly recommended because it protects against claims for injury or property damage.
Many commercial clients will also require evidence of cover.
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Does painter and decorator insurance cover work at height?
Cover may be available for work at height, subject to the insurer’s terms and the height limits agreed within the policy.
You should disclose the maximum height at which you work when requesting cover.