Painting / Decorating in Fareham

What Insurance Does A Painter Need?

As a painter, you’re most likely going to require three forms of insurance which includes public liability, income protection as well as tool insurance. However, you should take note that outside these three, there are also several other forms of insurance whose relevance will only be determined by the nature of your business. Now let’s take a closer look into the three most important forms of insurance for painters.

✓ Public liability. What’s surprising here is the fact that many painters are actually aware that they should have a public liability insurance, but only a few really knows what it actually covers. Essentially, what a public liability insurance does is to protect you in the event whereby you messed up and some else suffers a loss as a result of your actions. Third parties can suffer a property damage or personal injury as a result of your negligence. It does not in any way cover the damages to your own property or injuries suffered by you or your staff.

✓ Income protection. As a subcontractor or self employed painter, you’ll be in the best position to know that if you don’t work, there’ll be no money for you. And with no sick leave and possibly no workers’ compensation, then financial problem looms. But not to worry, you can protect yourself from this risk by getting an income protection insurance.

✓ Tool insurance. It’s always a terrible feeling when you go to the site only to discover your tools such as ladders, spray guns, trestles and equipment are suddenly no where to be found. Upon discovery of this situation, you’ll start thinking about the cost of replacing all the tools. With a tool insurance, you can be protected against these sort of situations whereby your tools are stolen, damaged and lots more.

Interior painters and decorators will offer a wide range of services. These range from painting and wallpapering to other decorating jobs such as fitting skirting or architrave. Some painters and decorators will be trained to plaster as well, however, you should always ask them about this and not assume they will all be able to.

There are lots of paints that are suitable for different areas of your property. In general, gloss and eggshell paints should be used in high traffic areas, whereas matte paints are suitable for lower traffic areas. Professional painters and decorators can give you advice on the most suitable types of paints.

Your painter and decorator will carry out most of the preparation work for your project. You can help them by ensuring that the area is clean and tidy. Also, remove as many personal items and pieces of furniture from the area as possible and make sure all your internal doors are firmly closed just in case of dust from rubbing down.