Decorators Insurance
Running a decorators business involves a variety of activities, and comes with a unique set of insurance considerations. If you are a decorator it’s well worthwhile sorting out your insurance not only to fulfil your legal obligations, but also to give your business a level of security that will put you in good stead for future developments.
Anyone who employs staff in the UK must have employer’s liability insurance. This applies to any business owner who employs workers to do any type of duties. Most decorators businesses also run vans and various other kinds of vehicles, which must as always be adequately covered with motor insurance.
Many decorating businesses have their own business premises out of which they operate. If this applies to you then it’s advisable to take out a good buildings and contents policy that is tailored to suit your business equipment, including tools, machinery and any stock you keep of decorating materials such as paints, wallpaper and plastering ingredients.
It is a sad fact of reality that people often sue individuals, organisations and businesses these days. Anyone in the decorating business is at particular risk of this unfortunate situation, for example in cases where damage is incurred to a person’s property during decorating work. Public liability insurance can be an effective measure in case of this happening to you.
Business interruption insurance is an option often forgotten about but which can make the difference between success and failure if your business is prevented from running in the short term.
