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When you're focused on transforming the homes of your clients, it's easy to forget to protect yourself. It's important to find the right insurance to help cover mishaps and accidents that might happen while you're working.
Some types of insurance are a legal requirement. For example, if you employ anyone – even if it’s only one person – you must have employers' liability insurance. Similarly, you’ll need motor insurance if you have a vehicle. Other types of business insurance are optional, so you'll need to decide if they’re right for you.Business insurance often packages together different types of cover in a combination that suits you. It may include:
In 2017, 37% of those working in skilled trades classified themselves as self-employed, according to the Chartered Institute of Personnel and Development (CIPD). So, if you're one of that number, it's important to sort out your own insurance as unfortunately nobody else is going to do it for you. It’s worth considering taking out the following types of cover to protect your income or business if something happened to you:
Public liability insurance for painters and decorators could cover legal and compensation costs if a member of the public makes a claim against you for injury or damage to their property.You might think this sounds a little dramatic, but all it takes is a little spilt paint over an expensive designer sofa, or someone tripping over a dust sheet and injuring themselves for a large claim to be made.
It’s not a legal requirement, but most businesses that interact with the public choose to have it for peace of mind and to protect their business. You’ll need to decide on the level of public liability cover that you want. It usually ranges from £1 million to £5 million, but can go up to £10 million. It sounds a lot, but legal costs can mount up, especially when personal injury is involved. Public liability insurance can also help show clients they’re in safe hands and give both parties confidence that if something were to go wrong costs could be recouped.
Employers' liability insurance can cover you if an employee is hurt or becomes ill due to carrying out work for you.
If you employ other people, then by law you’ll need to get employers’ liability insurance – even if you only employ one person and they work part time. The possible exceptions are:
The cover should be for at least £5 million. You risk being fined £2,500 for every day you don't have employers’ liability insurance. If you use ladders while painting and decorating, it might be worth bearing in mind that 18% of all non-fatal work-related injuries in the UK involved falling from a height. So make sure your insurance is up to scratch – as well as your ladder!
If you drive a van, it's a legal requirement to have motor insurance. For added protection, you might want to consider insurance that could provide protection for your painting and decorating tools and materials, and cover for the carriage of goods as well as the vehicle itself. Read more about commercial van insurance.
Yes. You should make sure your tools and even any stock materials such as paint, wallpaper liner and paste are adequately covered by your painter and decorator insurance. Equipment that you’ve built up over years can be stolen or damaged, so make sure you don’t lose the tools of your trade and check you’ve got enough cover to buy replacements.
Getting a quote is quick and easy. Just answer a few questions about you and your business and we’ll take it from there. Use our business insurance comparison service to find the right policy for you.
Employers’ liability insurance
You are legally required to have this insurance even if you employ just one person.
Business interruption insurance
Insurance to help compensate you for loss of profits if your business is unable to operate for a period for some unexpected reason.
Business life insurance
Insurance designed to help your business carry on if something happens to you or the key people in your business.
Commercial property insurance
Protect your business premises.