What other types of insurance could a painter or decorator need?
Once your core painting business insurance is in place, you can then add additional cover to suit the needs of your business, such as:
- Business contents insurance - to protect your business against loss, theft, or accidental damage to any equipment you and your staff use.
- Stock insurance - to safeguard your paints and other items stored for future use (such as large quantities of paint for a significant commercial job).
- Van insurance - to ensure your business will stay operational if your van or business vehicle is damaged.
- Business interruption insurance - which compensates you and any workers you employ if your business cannot operate due to unforeseen circumstances.
- Home office insurance - to protect any office equipment you use for your painting or decorating business against damage, loss, and theft.
- Legal expenses insurance - to help pay legal costs in the event your business faces any legal claims.
To work out which additional insurance your painting business needs from the above list, it's important to consider what risk level your specific business faces, how many staff your business employs, and the type and cost of equipment you use. The riskier your business and the more expensive your equipment, the more important painting insurance becomes.
What should a painter or decorator look for in an insurance provider?
The circumstances surrounding any insurance claim are almost universally stressful: an injury to yourself, for instance, or one of your workers or someone else's property often causes considerable mental strain.
As such, your insurance provider must respond to your queries within a reasonable timeframe, tailor the insurance they offer to your specific needs, and be completely transparent about what your insurance does and does not protect against. The last thing you need after falling off a ladder is to be kept in the dark or on hold for hours on end.
How can Park Insurance help you?
Park Insurance is a specialist insurance company based in Bristol. Over 30 years, we have established ourselves as a customer-focused, forward-thinking insurance company.
Today, we manage some of the insurance industry's leading websites, including Easy2Insure, Pet Secure, Salon Secure and Secure Underwriting. Thanks to high service standards and the experience of our staff, we have become one of the largest and most successful family-owned insurance brokers in the West Country.
If you are seeking advice or information regarding painting and decorating insurance, please get in touch with one of our experienced and professional team members.