Painters Insurance – Compare Leading Insurers

Our painters insurance online quote form is quick and easy to complete
use debit card or credit card (no charge)
Download your policy documents to your PC, which enables you to print copies as required.

We, at the Lifesure Group, have tried to make things as easy as possible for painters and decorators to obtain both a competitive painters insurance quotation for their business insurance and also to be able to buy the cover should they wish to do so. Our online painters insurance quote and buy facility enables you to select the cover that you want and put together a package that best suits your needs.

As a painter or decorator you will be only too aware of how easy it is to have an accident no matter how careful or experienced you are. It may be simply spilling a pot of paint on the client’s carpet or it may be something more serious which causes injury to a member of the public. In both circumstances someone will be looking to you for compensation and whilst you may be able to afford to buy your client a new carpet a claim brought against you for personal injury could cripple your business. For this reason you need to ensure you have the correct insurance cover in place.

Painter Insurance cover is available for:

Public liability insurance for either £1 million, £2 million, or £5 million.
Employers liability insurance at a limit of £10 million.
In addition to public and employers liability insurance which will form the basis of your insurance policy we can also offer as options:
Cover for your personal tools and any business equipment.
Contract works cover.
Personal accident cover.
Cover for plant equipment, be it your own or should you hire this in.
Commercial legal expenses cover.

Do I need public liability insurance?

However experienced you are and however careful you may be, there is always the possibility of an incident that could result in a claim being made against you. Public liability insurance will cover you should this eventuality ever occur.

If you employ staff, have trainees or apprentices, or use subcontractors then you are legally required to have employers liability insurance.

An employee is defined in law as any person while working for you in connection with the business who is:

Under a contract of service or apprenticeship with you.
A person under a contract of service or apprenticeship with some other employer and who is hired to or borrowed by you.
A labour master or person supplied by him.
A person engaged by a labour only sub-contractor.
A self employed person performing work under a similar degree of control and direction by you as a person under a contract of service or apprenticeship with you.
A driver or operator of hired-in plant.
A trainee or person undergoing work experience.
A voluntary helper.

And don’t forget the cover that can be taken as an optional painters insurance extra such as cover for your tools, which if lost or stolen may prevent you from working.

If you wish to discuss the cover you require please feel free to call us on (01480) 402460 Monday to Friday or also on Saturday mornings. Our staff will be pleased to discuss any questions you may have.