Painter and Decorator Insurance
As a professional painter or decorator, It’s essential to be protected from the risks which arise from doing business. If you employ apprentices or staff, you will need to keep them protected by drawing up a company-wide policy. Painter and decorator insurance will also protect you, your business and all those in it from any potentially damaging lawsuits that may arise from accidents at your workplace. If you are self-employed or run a company as an individual, you must check out all your options for painting and decorator insurance.
The basic types of painter and decorator insurance
There are three basic types of painter and decorator insurance policies: public liability cover, employer’s liability cover, and professional indemnity insurance.
• Public liability cover protects you and your business against injury or damage to your clients. The policy will include an excess, which is the amount you must pay in the event of an accident or injury that falls under your public liability policy.
• Employer’s liability cover protects you from any claims brought against you by your clients, employees, or anyone else involved with the work you do for them. Your employer’s liability policy may include a public liability cover, meaning that it includes both types of insurance to make sure you are covered.
• Professional indemnity insurance covers you against lawsuits brought against you by a client, employee or anyone else that your work has injured.
Protecting yourself or your business with painter and decorator insurance
Painter and decorator insurance can protect your business and protect people working within it. It will protect your employees against claims brought against them because of their position. The policy will cover you if they are sued if they injure someone at work and protect you from the other way round.
Painter and decorator insurance can also offer you protection against claims made by your customers. A good policy will include public liability insurance alongside employer’s liability insurance. If a customer is injured on your property or the work you have done for them injures someone else, it will protect you financially. This type of policy should be tailored to your specific line of work, so make sure that the policy you choose matches what you do and where you do it.
What does it cover?
Painter and decorator insurance can protect your business against various risks that may arise. These include exposures to health and safety issues and legal claims. A policy will be tailored to suit the type of work you do and the location of your business. Your policy will include both public liability and employer’s liability cover to ensure that you are covered if an incident occurs at your premises or workplace.
Painter and decorator insurance can cover a variety of scenarios, from damage to your client’s property when you are in their home to any injuries sustained by those working with you. If this happens, the policy will pay for any legal expenses you or your employees incur. The policy will include a slight excess, which is essentially a payment that must be made before the insurance company begins paying out.
Painter and decorator insurance is available from a range of insurers and providers, so it’s essential to do some research before committing to one specific policy.
Do I need professional indemnity insurance?
If you are a self-employed painter or decorator, insurance will protect you from claims against your business. If you are employed as a painter and decorator, professional indemnity insurance will also protect you from claims made by your employer. This means that if an accident occurs during work and is unavoidable, the insurer will pay out to cover any expenses associated with the injury. Professional indemnity insurance will also cover you if a customer is injured on your premises or if one of your staff is injured by work equipment.
Do I need Employers Liability Insurance?
If an employee is injured at work, then the insurance company will pay for any medical treatment required and pay for any lost wages and legal costs. In some cases, the insurance company will even provide compensation for the employee, though this all depends on the exact policy chosen. It’s essential to decide if this level of cover is necessary, as it comes at a premium.
When should I purchase public liability insurance?
Public liability comes into action when an accident occurs on your premises or if you are carrying out work for a client at their home. The insurer will then pay for any damages that have been caused by this incident, including any medical bills associated with the injury and any legal costs that may be involved.
Painting and decorating insurance is mainly used to cover your business against liability issues. Public liability covers you against claims your clients make against your business, including damage to their property.
All painters and decorators need insurance due to the high-risk working environment. The level of cover must be tailored for your specific needs, so it’s essential to do your research and assess your risks before paying out on a policy.
Find out more about the importance of insurance here.
Other useful links about Business Insurance:
Zurich Business Insurance
Lifestyle Consultant Insurance
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