Painting / Decorating in Morecambe

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.

You should always wait until plaster is dry before painting. The time this will take varies depending on the room and property, but in general, it will take about a week. Your plasterer will tell you how long it is best to leave it before covering or painting their work.

How Much Do Painters And Decorators Charge?

If you’re thinking about painting your home or property, then one of the first things that crosses the mind is the amount charged by painter or decorators to carry out the project. However just like any other home improvement projects and as with most tradesmen, the amount charged by a painter and decorator largely varies from job to job depending on a plethora of factors. These factors include your location, the urgency at which you need the job done and whether or not a specialist equipment would be required.

For painters and decorators, one of the biggest influencing factors that determines the price to be charged is the size of the room. For instance, if you have a large room to be painted, it’s definitely going to cost you more than a smaller room. And same applies to multiple rooms when compared to single room. In other words, to get a more accurate cost estimate from your tradesman, you’ll need to have a good idea of the size of your room or rooms. So let’s take a closer look!

✓ Painting a mid-sized room. The question here is, how do you know if your room is medium sized? The room will have a size of about 3.5m by 5m or a room that can conveniently allow up to 6 to 8 people. The price range is between £240 to £410.

✓ Wallpapering a mid-sized room. This uses the logic as painting a mid-sized room but the price can differ due to difference in materials used. The price range here is between £204 to £420.

✓ Painting a large ceiling. Painting a ceiling is very similar to painting a wall but its not as straightforward and will consume more time. The price ranges from £286 to £5476.

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.