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Painters and Decorators
Public Liability Insurance

Don’t be that guy...
Get Public Liability cover with us and get:
£1k Tools cover with our Classic Public Liability insurance
£400 Personal Accident cover per week with our Plus Public Liability insurance
Terms & Conditions, exclusions apply.

What cover can I get?

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

£15,000 Tools cover availableUp to £15,000 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 £3mBusinesses with turnover of up to £3M

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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 £15,000.

Professional Indemnity insurance of £100k 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 £3million 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

Why do I need Public Liability insurance?

You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.


Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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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 (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.