Painters and Decorators Insurance
Paint spills on a customer's carpet, a dropped tool through a window, or tools going missing from a van overnight can all turn into an expensive claim. Painters and decorators insurance is built to protect against exactly these kinds of risks, whether you're a sole trader or a limited company.
Why Painters and Decorators Need Specialist Cover
Damaged flooring in a client's home, a dropped tool through a window, or a fall while working at height can all lead to a costly claim. Much of your work happens inside someone else's property, often while it's still occupied, which raises the chance of accidental damage or an accidental injury to someone on site. The Health and Safety Executive treats falls from height as one of the most common causes of workplace injury, exactly the kind of risk this cover is designed to protect against.
Rather than a generic policy online, RAW Insurance is a specialist tradesman insurance broker. We build your insurance policy around the painting and decorating business you actually run, not a one-size-fits-all package designed for a different trade.
A well-built policy for painters and decorators can include protection for:
- Accidental damage to a customer's property caused by your work
- Claims for injury caused to a client or a member of the public
- Legal expenses if a claim is made against your business
- Theft of tools and equipment from your van or premises, including overnight theft
- Financial loss if you're unable to work after an accidental injury
- Confidence for clients and contractors that you're properly covered
What do our customers say...
"Excellent. Nothing is too much trouble."
Richard Waugh - Geltside Electrical Services Ltd
"Professional service with a personal touch."
Martin Scott - T& S Air Conditioning
Why RAW's Approach Works for Painters and Decorators
Here's what sets a specialist broker apart from a comparison site when you're arranging painters insurance for a decorating business.
Specialist Trade Focus
Broker Advice, Not a Comparison Site
Local Service in Cumbria
End-to-End Support
What Can Painters and Decorators Insurance Cover?
The right combination of cover depends on how you work and your business type, but most policies are built from the following.
How Getting Covered Works
Arranging cover for your painting and decorating bsuiness with RAW is straightforward:
Tell us about your business
The type of decorating work you do, your tools, vehicles and whether you employ anyone.
Get a tailored quote
We match cover to your actual risks rather than offering a fixed package.
Get covered
Once you're happy, we set up your policy, send over your policy documentation, and remain on hand if you need to make changes or a claim.
How Much Does Cover Cost for Painters and Decorators?
Decorator insurance cost can vary depending on the type of work you take on, whether you employ staff, the value of your business equipment, your claims history, and the level of cover you choose. A sole trader doing small domestic jobs has different needs to a contractor running a team on commercial sites. We talk through your risks before recommending cover, rather than quoting a generic price online.
Painters and Decorators Insurance in Carlisle, Kendal and Across Cumbria
RAW Insurance is based in Carlisle and Kendal, arranging cover for painters, decorators and other tradespeople across Cumbria and further afield. We work with clients painting new-builds in Kendal, refurbishing period properties in Carlisle, and taking on contracts across the rest of the UK. Being local means speaking to someone who knows the trade, not a call centre.
What Insurance Does A Self-Employed Painter or Decorator Need?
Our guide on whether self-employed tradesmen need insurance in the UK covers the legal requirements in more detail. Insurance requirements vary depending on how you work, but most self-employed painters and decorators add:
- Tools insurance for the decorating equipment and power tools you carry between jobs
- Van insurance if you use a vehicle for work
- Personal accident insurance in case you're accidentally injured and unable to work
- Professional indemnity insurance if you offer design or colour-consultation advice as part of your interior decorator insurance cover
We arrange cover for other self employed trades too, so get in touch if your work covers more than one trade.
Frequently Asked Questions
Most policies combine public liability cover with cover for decorating equipment and sometimes your van. That protects you against property damage, customer claims for injury, and theft or damage to the business equipment you rely on for work.
