Insurance for Painters & Decorators
Comprehensive insurance solutions for painters and decorators. From residential redecorations to commercial contracts, we arrange cover that protects your business against the unique risks of the decorating trade.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf from a panel of insurers. Policy terms, conditions, and exclusions apply.
Insurance Solutions for Painters & Decorators
We arrange a range of insurance products tailored to the specific needs of your trade.
Public Liability Insurance
Essential cover for claims from third parties for injury or property damage arising from your painting and decorating work.
Learn moreEmployers' Liability
Legally required cover for injuries to your employees from falls, chemical exposure, or equipment accidents.
Learn moreTools & Equipment Cover
Protection for your ladders, scaffolding, spray equipment, and specialist decorating tools.
Learn moreContract Works Insurance
Cover for work in progress and materials on-site, protecting against damage before project completion.
Learn moreProfessional Indemnity
Protection against claims of incorrect colour matching, specification errors, or unsuitable product recommendations.
Learn moreCommercial Vehicle Insurance
Cover for your van and the ladders, tools, and materials carried to site.
Learn moreUnderstanding Your Risks
Every trade has unique exposures. Here are the key risks we help painters & decorators protect against.
Paint & Chemical Damage
Spills, splashes, and overspray can damage customer property, furniture, carpets, and vehicles. Public liability is essential.
Falls from Height
Working from ladders and scaffolding creates fall risks. Employers' liability covers injuries to your staff.
Damage to Customer Property
Accidental damage to fixtures, fittings, and furnishings during preparation or painting work.
Colour & Finish Disputes
Disagreements over colour matching or finish quality can lead to rework costs and potential claims.
Health Hazards
Exposure to solvents, dust from sanding, and lead paint in older properties creates health risks.
Fire Risk
Flammable materials, solvents, and hot air guns create fire risks, particularly in enclosed spaces.
Why Choose Specialist Trade Insurance?
Generic business insurance often leaves gaps in cover for trade-specific risks. Specialist policies are designed with your profession in mind.
- Cover for interior and exterior decorating
- Protection for domestic and commercial work
- Spray painting and specialist finishes covered
- Work at height from ladders and towers included
- Cover for wallpapering and specialist wall finishes
- Protection for subcontractor arrangements
Information for Your Quote
- 1Business name and trading address
- 2Number of employees and subcontractors
- 3Annual turnover
- 4Types of work undertaken (domestic, commercial, industrial)
- 5Do you work at height above 3 metres?
- 6Do you use spray equipment?
- 7Maximum contract value
- 8Claims history for the past 5 years
Frequently Asked Questions
Does my insurance cover paint spills on customer property?
Am I covered for exterior work at height?
Do I need special cover for spray painting?
What about working in occupied properties?
Does my policy cover lead paint removal?
Insurance for Other Trades
Insurance for Painters and Decorators
Painters and decorators work in a wide variety of settings — from domestic interiors and commercial offices to listed buildings and high-end residential properties. While the trade may appear lower risk than some other construction activities, the liability exposures are real: damage to client property from paint spills, solvent fumes, or fire caused by heat guns can result in significant claims. A specialist painters and decorators insurance policy provides the cover you need at a level appropriate for your business.
Public liability insurance is the primary cover for most painters and decorators, protecting against claims for injury to third parties or damage to their property. Applied products liability — covering damage caused by materials you have applied after the work is complete — is an important extension that is not always included in standard policies. If you work on scaffolding or at height, your policy should reflect this activity. Tools cover for brushes, rollers, spray equipment, and access equipment is also worth considering.
Focus Insurance arranges painters and decorators insurance through insurers who understand the decorating trade. Whether you are a sole trader working on domestic properties or a larger business undertaking commercial contracts, we can structure a policy that fits your activities. We will discuss your typical contract values, the type of properties you work on, and whether you employ staff before approaching our panel of specialist insurers.
Ready to Protect Your Business?
Get in touch with our team for a no-obligation quote tailored to your trade.
Monday – Friday, 9:00am – 5:00pm