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Painters & Decorators Insurance

Join over 40,000 painters, decorators and other tradespeople who protect their business against unforeseen risks and costs with us

Professional Indemnity cover up to £50k available
24 hour tools cover available
Public Liability cover up to £5M available

Why do I need Public Liability insurance?

Financially liable?You or your company may be financially liable for the result of an accident caused by you, your company or a contractor

Companies and trade associations require evidenceMany companies and trade associations require evidence of Public Liability insurance

Claims can be very expensivePublic liability claims can be very expensive - having a major impact on your business

Claims could result from anywhereClaims could result from incidents at your premises, or elsewhere

What cover can I get?

Cove for upto £5mPublic Liability cover of £1M, £2M or £5M

£5,000 Tools cover availableUp to £5,000 Tools cover is available (subject to product selected)

Personal Accident and Jury Service extensionsPersonal Accident and Jury Service cover extensions available (subject to product selected)

Optional extras availableOptional extras such as Employers’ Liability Insurance, Stock, Contract Works, Owned Plant can be added to the policy

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Painters and decorators typesPainters and decorators for domestic and commercial property types – see all property types for details

from individuals to medium sized companies specialising in interior and exterior decoratingIndividuals, small to medium sized businesses specialising in interior and exterior decorating work

Cover up to £1.5mBusinesses with turnover of up to £1.5M


GET A QUOTE

Flexible cover

Our policies can be tailored to help meet your business insurance needs. Our Public Liability insurance for painters and decorators starts at £1million liability cover, but this can be extended to £5million. This provides protection for you and your business against claims that may arise from a member of the public for injury or loss suffered as a result of your actions or your employees.

If you choose our Classic or Plus cover level you will also get £1,000 of all risks Tools insurance included. This cover is effective 24 hours a day, anywhere in the UK, and includes overnight thefts from your van following a violent and forcible break in to your vehicle. If necessary, cover can be extended up to £5,000.

Professional Indemnity insurance of £50k is also included as standard with our Classic or Plus cover.

Optional extras

If you have people working for you, you can add Employers’ Liability insurance to the policy. This provides cover for up to 15 permanent manual employees and up to 100 days for temporary workers.

It’s not just injuries or loss to other people that you should consider insurance. There is also the option to include Personal Accident cover if you select our Plus cover, which could pay an income if you are unable to work as the result of an accident at work.

Cover for bigger business

We provide Painters and Decorators’ Liability insurance online for businesses with an annual turnover up to £1.5million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 08000 280 380 or find other ways to contact us via our Contact Us page.

Property types

We provide cover for domestic and commercial properties excluding the following hazardous works:

piling, quarrying or the use of explosives, tunnelling, water diversion, pile driving, dam construction or work within or behind dams
any work of demolition except demolition carried out by employees in your direct service:

1. of private dwellings and/or shops consisting of not more than 2 floors (including the ground floor) and attic
2. of other structures not exceeding 4 metres in height as part of a road or sewer contract undertaken by you
the construction, alteration or repair of towers, steeples, chimney shafts, viaducts, bridges or docks
the making of main sewers
any work outside the European Union
any work on any structure exceeding 10 metres in height

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments

What our customers said about us

Satisfied with overall dealings98% were satisfied in their overall dealings with Trade Direct
Satisfied they could contact at a convenient time100% were satisfied that they could contact Trade Direct at a convenient time
Satisfied they got the correct policy100% were satisfied that they received the policy they had been led to expect
Would use Trade Direct again94% would definitely use Trade Direct again
Would recommend to others96% would recommend Trade Direct to others
(Customer Satisfaction Survey 2014)