Insurance For Painters
- Public Liability And Tool Cover
- Trusted By Over 180,000 Small Businesses
- No Paperwork, No Hassles, No Worries
Why should Painters consider Public Liability insurance*?
When you run your own business, it’s vital to have the right measures in place to protect it, like the importance of having your Public Liability insurance sorted.
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Before you pick up your paintbrushes, take a moment to think about your responsibility when it comes to creating a safe workspace, minimising the risks for any potential claims to occur. If you are found negligent, it’s not only your back pocket that you need to worry about but also the potential damage to your reputation.
It’s important to remember that if you hire sub-contractors, check that they have their own adequate levels of cover in place, as your Public Liability insurance policy may not cover them under your policy unless specified in the wording.
Did you Know?
Commonly, Public Liability policies will exclude the costs to repair faulty workmanship completed by you or your business or any refund of the fees charged by you to complete the job.
Public Liability Insurance
What is typically included?**
Compensation for:
- personal injury suffered by a third party (e.g. a customer, supplier or member of the public) due to your negligent business activities
- damage to property owned by a third party due to your negligent business activities
- legal and defence costs associated with a covered claim
What is typically not covered?*
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship
- Professional negligence
- Contractual liability
- Events occurring before or after the policy period
**Many public liability policies also provide cover for product liability.
Painter Business Risks
If you are running your own painting business as a sole proprietor, you can be held personally liable for an accident. It could prove to be a devastating risk that could cost both your business and personal assets if something were to go wrong.
Business Insurance*
Protecting your business assets is a wise move. While it would be nice to have a crystal ball and feel constantly prepared, all it takes is an unwanted incident to occur for your business to be thrown into mayhem.
Business Insurance can keep your business running, even when you don’t have your tools on hand. It’s an insurance package designed to cover your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).
Portable Equipment Insurance*
Your toolbox is full of valuable and specialised painting tools and equipment that help get the job done. Take a second to imagine trying to get through the working day without them? Not being able to perform your job properly is not a struggle but a financial burden you can live without.
Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.
What’s typically covered?
Loss or damage that is caused by:
- Fire, storm, water, explosion, impact or malicious damage
- Accidental damage
- Collision or overturning of the conveying vehicle
- Theft following forcible and violent entry to locked vehicles or locked buildings;
- Theft of equipment securely attached to a vehicle through the use of locks or padlocks
What’s typically NOT covered?
Loss or damage to your portable equipment that is caused by:
- Wear, tear or gradually developing conditions
- Cracking, scratching, marring or breakage of glass or fragile items or surfaces
- Rust, oxidation, mildew, mould, moths, insects, vermin, dry rot, contamination or pollution
- Any process of heating, drying, cleaning, dyeing or alteration to any insured item
- Faulty materials or workmanship
- Theft by employees
- Unexplained inventory shortage
Personal Accident and Illness Insurance*
As a painter, your greatest asset to your business is your physical fitness and wellbeing. If you were to fall ill and required to take time off to recover, how would you still be able to sustain an income to pay for bills and expenses?
The reality is accidents can happen anywhere at any time. Even when you are doing a spot of DIY around the house on the weekend, a slip and fall could cause injuries that make you medically unfit to attend work. Should an incident occur, this product can cover you for loss of income and provide benefits for permanent disability and even death if you’re unable to work due to illness or injury.
*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document. The information contained on this webpage is general only and should not be relied upon as advice.
