Painter and Decorator Insurance
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What is painter and decorating contractor insurance?
Painter and decorator insurance is a form of contractors’ insurance specifically designed to protect painters and decorators. Also known as either decorator or painters insurance, this form of insurance combines multiple levels of protection in a single policy.
Common coverage options include general business insurance, tools and equipment cover, public liability, employee liability, and business interruption insurance among others. Rather than leave things to chance, painting contractors’ insurance can stipulate individual risk factors and provide comprehensive coverage in a flexible and affordable package. Here at 1st Choice Insurance, we can tailor a painting contractors insurance solution to meet the needs of your business.
Who needs painter and decorating contractor insurance?
Painter and decorator insurance is advised for anyone who offers painting or decorating services on a commercial basis. Whether you’re working as a small subcontracting company or a sole-trader, specialised insurance is the best way to ensure full protection and to avoid unwanted business exposure. While it might seem like a fairly safe profession, there are many reasons why painters and decorators need insurance.
First and foremost, it’s important to protect third parties in the case of accidents or property damage. As you might imagine, it is easy to damage expensive property with paint, and so good coverage is a must. Secondly, it’s important to protect your business equipment in the case of loss or damage. While some equipment cover may be provided as part of a general business insurance policy, it’s important to take out dedicated insurance for painters to ensure full protection.
Thirdly, it’s important to protect your business income in the case of delays, damages, or legal claims. This is especially true if you have to pay staff wages or rent on a business premises. Here at 1st Choice Insurance, we can create the painting contractors insurance that your business demands.