Painters and Decorators Insurance

At Caunce O’Hara we give you the opportunity to customise your insurance to meet your own needs, such as:

Third-party injury – A customer sustains an injury when they trip over a poorly secured groundsheet that you have laid down to protect the floor beneath.

Property damage – Whilst decorating a client’s home you spill paint on a carpet which means it needs to be replaced.

Negligent work – You are asked to hang expensive patterned wallpaper for a customer. Because of the way the pattern work there is a lot of wastage when lining up each strip of wallpaper. As a result, there isn’t enough wallpaper to complete the room and more needs to be ordered at significant expense. Your client alleges negligence in your estimations and costings.

Theft or damage to tools and trade materials – Whilst decorating a customer’s home, your van is broken into and some tools and equipment are stolen.

If you just want public liability insurance for potential third-party accidents or property damage, that’s fine. If you want cover for other incidents such as protection for your employees, work accidents, or negligence claims then we can help you with that too. We have a range of covers to suit most trades-specific needs.

Caunce O’Hara are specialists for trades insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

By completing our simple online quote form you can get a quote in as little as 90 seconds.

Affordable protection

We have always strived to provide value for money for our clients. Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Looking after our customers has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and freelance contractors, which enables us to provide the cover you need.

The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for painters and decorators starts from as little as £106.00 for £1million of annual cover, which we think represents value for money.

As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

• Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
• Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
• Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
• Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
• Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
• Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
• Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.