Painter and Decorator Insurance 

Yes, you would need to inform us. The policy defines Employees as including “any person engaged under a work experience, youth training or similar scheme”.

Employers’ Liability insurance is a legal requirement if you employ anyone, and the policy states that you must undertake to supply full details of your company and all subsidiary companies at inception of the insurance and promptly thereafter following acquisition or disposal of any subsidiary company.

Yes, our insurance for painters and decorators covers accidental injury to a third party and accidental damage to a third parties property arising from your business activities.

Yes, if your equipment is stored inside your home, in your buildings, then cover is permitted, our insurance also covers theft from unattended vehicles, but with specific conditions. For items inside the vehicle, it must be secured with all factory-fitted locks and alarms, and keys removed. It must be garaged in a locked building or parked in a secure compound. There are also restrictions on theft from “Unsecure Locations”, which include driveways and public or private roads.

There are various exclusions on this policy product that apply to different classes of insurance cover, all of which you can see within the policy wording and quote summary. The most relevant for painting and decorating is an exclusion for spray painting and for working away from your premises using heat.

There is no special consideration for working at height, we can only permit you to work up to 5 metres above the surrounding floor or ground level.

To ensure tool insurance is valid, your tools must be securely stored in a locked vehicle and out of sight, locked site container, or other secure location when not in use. This applies to both owned and hired tools.

No, power tool breakdowns are not included. The policy only covers theft, damage, or loss of tools if you have the relevant Plant & Tools Owned or Hired cover.

No, standard tradesman insurance does not cover work interruption.

Tools and equipment stored in a locked vehicle overnight are covered if you have the Plant & Tools Owned extension (Tools of Trade), which protects your tools off-site under secure conditions.

No, delayed damage claims are not covered. All claims for damage must be reported to us at the point you are aware of any damages or injury occurring.

You will need to select the correct trade you need cover for, when you get a quote, for example electrician’s cover. Public liability insurance can protect against third-party claims. Additionally, Employers’ Liability is required if you employ staff. You may want to customise your policy with optional extras for Contractors Works and Plants and Tools cover.

Yes, Plant & Tools Hired cover includes protection for hired tools and equipment against loss, damage, or theft. You’ll also be covered for any hire charges resulting from the loss.

Materials stored on-site are protected if you include Contractors Works in your policy. This ensures coverage for loss or damage to temporary or permanent works, including materials.

Depending on your project you can choose the appropriate cover that best suits your needs. For commercial projects, you could include Contractors Works for protection of materials and works, as well as Plant & Tools cover for equipment used on-site. Public liability and Employers’ Liability may also be necessary, depending on the size of your operation and workforce.

Yes, if you have Employers’ Liability insurance, apprentices are covered for workplace injuries or accidents, as this is a legal requirement for any employer with staff.

The insurer defines this cover as contractors’ plant, tools and equipment demountable and temporary buildings and/or caravans and/or other items of a like nature and materials and/or stores and/or any other property of whatsoever nature used or intended for use in connection with any contract works. There are conditions and exclusions you need to ensure you adhere with, please ensure you take a view of these before proceeding further.

Contract Works is designed to cover you for Damage and Loss to works whether permanent or temporary, to include materials used for which you are responsible for, being your property whilst you are undertaking works, not including tools, plant and equipment you own or that you have hired in for the works. We are unable to provide cover for materials and stock away from any contract site unless in transit and we cannot consider cover for contract works that exceed 24 months.

Yes, we can cover plant you own and plant you hire in. We have different sums insured that can be selected and the sums selected also have single article limits for plant you own and maximum hire charges for equipment you hire. Please also note that if you own or have hired a single piece of plant equipment that costs more than £10,000, when its not in use it is stored in a securely locked building of standard construction or is immobilised in accordance with the manufacturers recommendations.

This depends on your agreement with your subcontractors. Bona-fide subcontractors will have to have their own insurance cover and cannot be included on your insurance policy and in the numbers requested herein, you will be obligated to retain proof of their insurance. Labour-only subcontractors can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance.

No, not for the majority of trades available to be selected, with the exception of some of the builders trades, landscapers trades and electricians, where there will be an endorsement added to your policy, allowing you to undertake work away from your premises, subject to you complying with a set of conditions outlined in the added endorsement titled ‘Hot Working and Use of Heat Equipment away from your Premises Condition Precedent.

Yes, you need public liability insurance to protect you against claims arising from accidental injury to a client or damage to their belongings.

Yes, at Protectivity we offer tools insurance for tradesmen,  but this is subject to conditions and exclusions. Please make sure to read the conditions and exclusions in full.

This cover is meant for work in the United Kingdom, however it will allow cover abroad temporarily (max 25 days throughout your annual policy), for manual work in the EU and non-manual work anywhere in the world, in conjunction with your Business only.