Painters and Decorators Insurance

Painters and Decorators – Complete, Affordable & 24/7 Trusted Protection

Overview

Painters and Decorators insurance is essential

Painters and decorators face a variety of risks every day — from working at height on ladders and scaffolding to using solvents, paints, sprayers and abrasive equipment. A small mistake, such as a paint spill, damaged flooring, accidental overspray, or a ladder falling, can lead to expensive property damage or injury claims. Whether you work in residential homes, commercial buildings or large renovation projects, the risks are always present.

Having the right Painters and Decorators Insurance in place — including Public Liability, Employers’ Liability and Tools & Equipment cover — ensures you’re protected from the financial impact of accidents, injuries or damage on-site. This comprehensive cover gives you the confidence to work professionally, meet client expectations and keep your business operating without costly interruptions.

Benefits

Effortless

comparison sites, confusion and going around in circles. We’ll access the entire market for you.

Affordable

Using our influence and buying power to get you the very best prices available.

Bespoke

Different businesses require different covers. We will tailor make your policy for you and your needs.

Public & Products Liability Insurance for Painters and Decorators

Public Liability Insurance is one of the most important covers for painters and decorators. Paint spills, dropped tools, damaged carpets, overspray on vehicles or windows, and members of the public tripping over sheets or equipment are all common risks. Even when following best practice, accidents can happen quickly.

A comprehensive Public Liability policy protects your business if you accidentally injure someone or damage property during your work. This includes legal fees, compensation payments and repair costs — helping you stay financially secure and continue operating without disruption. Find out more about construction site safety standards from HSE Construction Guide.

Employers Liability Insurance for Painters and Decorators

If you employ staff — whether apprentices, labourers, decorators or temporary workers — Employers’ Liability Insurance is a legal requirement in the UK. Painters and decorators operate in environments with increased risks, including working at height, exposure to hazardous materials, manual handling and using sharp or powered tools.

Employers’ Liability Insurance provides protection if an employee becomes injured or ill as a result of their work. This includes slips, falls, chemical exposure, ladder accidents or strains. The policy covers compensation, medical expenses and legal fees — ensuring both your team and your business are protected.

Tools, Plant & Asset Protection Insurance for Painters and Decorators

Painters and decorators rely on a wide range of tools and equipment — including brushes, rollers, sprayers, sanders, sheets, ladders, scaffolding and preparation tools. These items are essential to your work and are exposed daily to risks such as theft, fire, accidental damage or loss, especially when stored in vans or on-site.

Tools & Equipment Insurance ensures these essential tools are protected. Whether your sprayer is damaged, your ladders are stolen, or equipment is lost in transit, this cover helps you replace items quickly and keep your projects running smoothly without costly downtime.

The process

Quick. Simple. Competitive.

 

We’ll call you back. Find out what you need and then give you a couple of quotes and options. It’s that simple.

Why choose Evolution for Painters and Decorators Insurance

At Evolution Risk Group, we specialise in providing tailored insurance solutions for painters and decorators across the UK. We understand the risks you face every day and build policies that provide reliable protection for your tools, your work and your business.

• Fast, simple quotes

• UK-based support

• Optional add-ons for tools, personal accident & van cover

• Designed for self-employed decorators and small trade businesses

Start your quote here.

painters and decorators insurance

FAQ’s

Absolutely. Subject to credit we can offer instalments to suit your requirements. We will offer you payment options when quoting.

We aim to provide same-day insurance quotes wherever possible. In some cases, it may take longer if we need additional information or if underwriters request further details about your business.

In the UK, the only legally required business insurance is Employers’ Liability Insurance if you have staff. Other covers—like Public Liability, Professional Indemnity or Business Interruption—aren’t mandatory but are essential to protect your business from costly claims, accidents and major disruptions.

No. We’re an independent insurance broker with access to the full UK insurance market. This means our recommendations are based solely on the best cover, price and protection for your business. We review all suitable options and explain the pros and cons of each so you can make an informed decision.