Painters and Decorators Insurance
Protect your painting and decorating business from accidental damage claims, tool theft and third-party injury with trade-specific cover.
Get in touchWhat is painters and decorators insurance?
Painters and decorators insurance is a package of cover designed to protect decorating professionals from the risks of working in clients' homes and commercial premises. It typically includes public liability, employers liability and tools cover.
Accidental spills, ladder injuries and damage to furnishings are everyday risks in the decorating trade. The right policy ensures these incidents do not result in costly out-of-pocket claims.
Find cover options from specialist insurers who cover painters and decorators specifically, so your premium reflects the lower-risk nature of decorating work rather than heavier construction trades.
Public Liability
Covers claims if you accidentally damage a client's property or a third party is injured.
Employers Liability
Required by law if you employ anyone, including apprentices.
Tools and Equipment
Covers replacement of brushes, rollers, spray equipment and access equipment.
Products Liability
Covers claims arising from products you supply, such as paints or wallpapers.
Who needs painters and decorators insurance?
Self-employed decorators
Working on domestic properties for private clients
Commercial painters
Painting offices, retail units and industrial buildings
Wallpapering specialists
Hanging specialist and designer wallpapers
Exterior painters
Working at height on external facades and surfaces
Spray painters
Using airless sprayers on large domestic or commercial jobs
WHY CECIL
Built differently.
Priced for decorators, not demolition
Painting and decorating is lower risk than many construction trades. Cecil finds insurers who price your cover accordingly, so you do not overpay.
Accidental damage covered properly
Spilling paint on a client's carpet is a real risk. We make sure your public liability policy covers accidental damage without restrictive exclusions.
Quick online comparison
Most decorators just want straightforward cover at a fair price. Get your options in minutes so you can get back to the job.
Flexible cover as you grow
Whether you work alone or employ a small team, Cecil finds policies that scale with your business without unnecessary extras.
Common questions about painters and decorators insurance
Do painters and decorators need insurance in the UK?
There is no legal requirement for self-employed painters and decorators to hold public liability insurance, but most clients expect it. If you employ anyone, employers liability insurance is a legal requirement with a minimum of £5m cover.
Do I need insurance to hang wallpaper?
If you are working in a client's property, public liability insurance is strongly recommended. Wallpapering carries risks such as damage to expensive surfaces, and a claim could be financially damaging without cover.
Does painters insurance cover working at height?
Most painters and decorators insurance policies cover working at height using ladders and scaffolding, provided you follow safe working practices. Some insurers may have restrictions on the maximum height.
Interested in Painters and Decorators insurance?
We will be in contact when Cecil launches.