Tailored business insurance for painters and decorators from only £8.83 a monthStart your quote
Cover for your business, staff, tools and equipment
Quick online quotes in less than 90 seconds
Rated 4.7 out of 5 by our customers on Feefo
Caunce O’Hara tradesman insurance provides comprehensive cover for a range of risks faced by painters and decorators and will respond to cover the cost of mistakes and accidents.
Painting and decorating puts the finishing touches to a new build, renovation, or even a simple revamp to brighten up a room or office. Therefore, it is important for the finish to be near perfect, because it’s the first thing people see and mistakes or sloppy work will be noticed straightaway. Our trades insurance will protect you in the event of a claim so you can focus on making sure the finish is smooth as silk.
Public liability insurance is the most commonly type of protection by tradespeople. Our tradesman public liability insurance for will cover you if someone experiences an injury or property damage as a result of your painting and decorating business.
The policy will cover you for claims such as:
We also offer a range of other trades covers to protect painters and decorators, which allow you to tailor a package trades insurance policies that will fully protect your business, your staff and your equipment.
Accidents occur in everyday life, and things can also go wrong due to something that‘s beyond your control, so it’s important to ensure you’re prepared to reduce the impact on your business with our painter’s and decorator’s insurance.
Examples of why plasters need insurance can include:
As trades insurance experts, we're your number one choice for your business protection.
Trusted by over 23,000 clients for their business insurance.
Immediate cover available, with documents issued via email in minutes!
Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.
Select a product to find out more and get a quote.View all
Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com
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.
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:
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.
|Insurance policy||Lowest excess||Highest excess|
|Public liability insurance||£250||£250|
|Employers’ liability insurance||£0||£0|
|Tools & trade materials cover (can only be purchased with the public liability policy)||£250||£250|
|Personal accident insurance||£0||£0|
|Professional indemnity insurance||£250||£500|
Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.
Call 0333 321 1403
Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch