Painters and Decorators Insurance

Our solution includes a wide range of covers for your property and materials, as well as any vehicle or plant, including items you hire or loan in or out.

Get a quote 03334145262

Marsh’s exclusive insurance solution provides comprehensive cover to painters and decorators working throughout the UK.

As a leading insurance broker with many years’ experience in supporting contractors and tradesmen in the construction and building industry, we appreciate the unique risks and challenges you face in your daily working environment. This has enabled us to construct a robust yet flexible insurance solution that can be tailored to your specific requirements.

As a painter and decorator, you need the right equipment in order to complete a job to a required standard. It’s exactly the same when it comes to arranging your business insurance.

Our painters and decorators insurance provides wide-ranging protection in one practical solution. This means you don’t have to juggle policies with different providers and all the associated paperwork that this may entail – freeing up your time to concentrate on your work and business.

Our Business Insurance Includes:

Cover Options:

  • Public liability.

  • Employers liability.

  • Subcontractor liability.

  • Contract works.

  • Plant.

  • Vehicles including directors’ cars.

  • Stored materials.

  • Tools in transit.

  • Environmental clean-up.

Enhanced Features:

Public liability:

  • No “failure to perform” exclusion.

  • No heat condition or warranty.

  • No hidden premium adjustments on wages paid at year end.

Employers liability:

  • No height limit.

  • No hidden premium adjustments on wages paid at year end.

Plant:

  • Extends to include plant on free loan.

  • Loss of hiring charges for 180 days.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

To find out more about painters and decorators insurance, or to request a quote, contact us today and speak with our team of experts.

Painters and Decorators Insurance from Marsh

By opting for business insurance from Marsh, you’re choosing to work with a highly reputable company that places great importance on providing excellent customer service.

Our expert team of insurance professionals is on hand to answer any problems, queries or issues you may have. We’ll support you throughout the lifespan of your policy, whether that’s supporting you through the claims process should the unfortunate happen or providing you with guidelines on how to manage and minimise risks in your business.

Our solution includes a wide range of covers for your property and materials, as well as any vehicle or plant, including items you hire or loan in or out. We even consider unexpected events that could be costly and time-consuming to put right, such as environmental damage.

Whether you’re a one-man band or you manage a team of painters and decorators, we can arrange the appropriate level of cover for your specific business requirements, which means you don’t end up paying for cover you don’t need.

Get a quote 03334145262

The Importance of Business Insurance for Painters and Decorators

As a painter and decorator, your aim is to transform the appearance of a property, but if you cause damage to somebody’s treasured possessions then having comprehensive insurance cover in place is critical.

A painter’s life is varied. One day you could be erecting scaffolding on a multi-storey building in preparation for a job, and the next you could be working in the interior of somebody’s home. But whatever work environment you’re in, it’s likely to contain potential hazards to you, your employees or subcontractors, and the public.

Precious possessions could be ruined. You could injure yourself falling from a ladder or scaffolding, or knock off equipment causing damage to property or other people. Some of the materials you use may be toxic, and if inhaled could cause illness which might result in loss of income while you recuperate. And your materials, tools and equipment are not cheap, so if they’re damaged or stolen you may be heavily out of pocket.

So it’s essential to have the right insurance in place to help protect you from some of the challenges you may face in your work.

Related FAQs

See all FAQs

IS MARSH REGULATED?

Marsh Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 307511. Our authorisation can be viewed on the Financial Services Register by visiting the website or by contacting the FCA on 0800 111 6768.

IS CENTRAL INSURANCE SERVICES REGULATED?

Central Insurance Services Limited, a wholly owned subsidiary of Marsh Limited, is registered in Scotland (No. 100053) at Crown House, Prospect Road, Arnhall Business Park, Westhill, Aberdeen AB32 6FE. Central Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 308762). Marsh Ltd is registered in England and Wales Number: 1507274. Registered Office: 1 Tower Place West, Tower Place, London EC3R 5BU and is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 307511).

WHAT INFORMATION WILL YOU REQUIRE REGARDING MY BUSINESS?

To allow us to understand your needs, provide advice, and recommend an insurance solution, you will need to provide specific information regarding your business and property, including any tools you use or stock you may want to insure. We will guide you through what is needed when you contact us. It would also be useful to have any previous insurance details to hand, including policy details and any renewal documentation.

DO YOU VISIT MY BUSINESS WHEN PROVIDING A QUOTATION?

In most instances there will no requirement to visit you in person to arrange a policy, as we discuss your requirements and the quotation over the phone. The insurance we arrange is based on a number of factors including your premises, employees, equipment, and stock ‒ therefore we will help guide you on the factors that may affect your insurance quotation, however it is important you tell us about anything you feel may be relevant. In addition, the information you provide should be accurate and honest.

MY INSURANCE IS NOT YET DUE FOR RENEWAL, CAN I GET A QUOTATION?

As both your requirements and insurers may change over time, quotes are only valid for a particular period of time, typically 30 days. Therefore it is best to obtain a quotation within this time frame from your renewal date. You can leave your details with us and we will call you when your renewal date is due to discuss your insurance requirements.

CAN YOU CONTACT ME NEARER MY RENEWAL DATE?

Yes, we want you to have one less thing to worry about therefore remembering to contact us again nearer to your renewal date shouldn’t be one of them. We provide a friendly reminder service, so simply use this form and will be make contact with you nearer to your renewal. Alternatively, if you would prefer you can give us a quick call now and leave a few details including your contact details and renewal date.

I HAVE PREVIOUSLY CLAIMED ON MY BUSINESS INSURANCE, CAN YOU STILL COVER ME?

We consider all businesses on a case-by-case basis. Having a previous claim may not necessarily mean you can’t be covered, therefore please contact us to discuss your insurance requirements and claims history.

WHAT IS INSURANCE PREMIUM TAX (IPT) AND HOW MUCH IS IT?

IPT is a charge levied by HM Revenue and Customs, which is currently 10% for business insurance policies.

Related News from Marsh

The UK Chooses Brexit - Considerations for Companies

The UK electorate has opted for “Brexit”, mandating the government to begin the process of leaving the European Union (EU).

Potential Insurance Implications Should the UK Vote to Leave the European Union

On Thursday 23 June, a referendum will take place on the United Kingdom’s membership of the European Union (EU).

Auto Enrolment – Be Ready for Pensions Reform

In this short article we would like to introduce you to Jelf, a sister company to Marsh, where Jelf discusses Auto Enrolment

Golf Club Insurance – Time for a “Spring Clean”

Longer days and the end of “preferred lies” can only mean one thing – another season of summer golf is almost upon us.