Kingsbridge Insurance
Painter and Decorator Insurance
Discover comprehensive painter and decorator insurance right here at Kingsbridge. We’ve created a tailored Trades Policy Package that includes everything decorators need to make sure they’re covered against accidental damage, injuries, or equipment theft.
Protect your tools and business in just a few minutes.
Painter and decorator insurance that suits you
Here at Kingsbridge, we understand that painting and decorating is more than just a trade – it’s your livelihood. And, we know that accidents can happen. Whether you’re working on residential, commercial, or industrial projects, we make sure that you’re protected against legal claims, financial losses, or unexpected events.
That way, you can focus on creating stunning finishes for your clients.
Here’s what’s included as standard in our Painting and Decorating Insurance package:
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Public Liability
Public Liability
Provides cover when a third party is injured or their property is damaged due to the actions of a limited company contractor or business. Having Public liability insurance will cover the costs of any damages awarded, as well as any related legal fees, costs, or expenses.
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Goods and Tools
Goods and Tools
Protects the items in transit against damage, misdelivery and accidental delay under a ‘Hire & Reward’. Tools cover protects against damage and loss for Tools in the way of payment for replacing items new for old based upon purchase value. £2,500 of cover as standard, limits available up to £20,000.
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Employers' Liability
Employers' Liability
Covering any injury to an employee. £10,000,000 any one claim limit with no facility to alter/remove.
Optional covers
You can also add additional cover so you have the right protection for your decorating jobs.
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Hired in Plant
Hired in Plant
Cover for constructional plant tools (larger than hand-held tools) hired in by the primary insured against damage and theft from site or storage in the UK.
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Owned Plant
Owned Plant
Cover for constructional plant tools (larger than hand-held tools) owned by you or/for which you are responsible for against damage and theft from site or storage in the UK.
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Contract Works
Contract Works
Covers you against anything included in the contract of works being damaged before the hand-over of works.
If you’re looking for something else, we also offer bespoke Contractors Insurance packages and SME Insurance packages, covering your business for a fantastic price.
Get your price in a few quick clicks
The price of your package depends on a number of things, like your business size, insurance policy limits, and additional protections. Plus, we offer a Price Promise guarantee, so you know you’re getting the best value.
Tell us about your business today, and we’ll get back to you with a no-obligation quote.
For secure Painter and Decorator Insurance, choose Kingsbridge
Our team understands the risks that come with a painting and decorating job. While on the surface it might seem like nothing could go wrong, we help our customers have that safety net in place for those ‘oops’ moments.
Here’s why tradesmen choose us for their insurance packages:
✔️ Goods and Tools insurance included as standard – Don’t worry about forking out for extra protection against your equipment
✔️ All-in-one trades packages – We make it easy to buy the correct insurance by combining covers that sit under one single policy
✔️ Tailored risk protection – Our cover accounts for everyday painting and decorating hazards, including spillages and working at heights (subject to terms)
✔️ Instant proof of cover – We send your documents almost immediately, so you can start your jobs without delays
✔️ Plenty of satisfied customers – We’ve got thousands of customer reviews from people who love working with us – join them today!
We cover most trades… Find the right insurance for you
Ready to work? Get your cover today
If you’ve got a painting or decorating job coming up and need proper insurance, we’ve got you covered. Get in touch with our team to find the right solution for you.
Start your quote or give us a call on 01242 808 740
Painter and Decorator Insurance FAQs:
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Is public liability insurance mandatory for painters and decorators?
No, it’s not a legal requirement in the UK. However, it’s really essential that you have it. Most contractors, letting agents, or other clients might refuse to work with you if you don’t have appropriate cover. Find out more about public liability for tradesmen and why it could be important.
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Does Kingsbridge’s Painter and Decorator Insurance cover damage to a client’s property?
Yes. Our insurance package includes Public Liability, which can cover accidental damage caused to third-party property while carrying out your work. So, whether you spill a tin of paint that ruins an expensive carpet or accidentally crack a window with your ladder, your policy could cover repair costs and replacement value.
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How can I make a claim if something goes wrong on the job?
If an incident does occur while you’re on the job, you should get in touch with us immediately. We have a dedicated claims team who will be your point of contact and guide you through the claims process.
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Are my tools and painting equipment covered?
Yes! We include Goods and Tools insurance cover as standard in our Trades Insurance package. That means all your essential gear, like power sanders, paint sprayers, and hand tools, are covered from theft or damage, even when they’re locked in your vehicle overnight (subject to terms). Find out if tools insurance is really worth it by reading our blog.
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Does my insurance cover damage to the property being worked on?
Standard Public Liability can cover accidental damage to existing client property. If you regularly work on new builds or extensions, you might also benefit from Contract Works cover, which can protect against accidental damage caused by extreme weather, theft or vandalism. This is an optional add-on that can be easily added to your Kingsbridge package.
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Does this insurance package cover work at height?
Yes, this cover can protect everyday painter and decorator activities carried out at height, including using stepladders and extension ladders. Cover will be subject to policy terms, so make sure you’re following safety regulations and complying with the policy conditions at all times.
