Painters Insurance
Running your own business is never easy, whether you’re self-employed or have a team of staff. If you run a painting business, your insurance may seem a necessary evil, but if chosen wisely it could help your business to cope with the unexpected things that crop up.
If you do employ workers within your painters business, i.e. if you are not the only worker and you own the business, you are an employer. This means that, by law, you need to take out employers’ liability compulsory insurance.
Any vans or other vehicles you use within your painters business also present particular insurance responsibilities according to the law. As long as you have them covered with adequate motor insurance you have fulfilled your legal responsibilities.
If you use any premises as a base for your painters business, you should ensure that you have a buildings and contents policy which also covers your painting equipment, including any tools or machinery you use. If you do not use a business premises, it’s best to make sure you have at least covered your equipment for loss and damage.
Any painting and decorating business is inevitably at risk of legal action. If you’re working on a property and it becomes damaged, or you are accused of damaging it, you may face the unpleasant reality of being sued. Public liability insurance is a real asset in cases like this, and can give you the resources to keep your business on track whatever happens to it.
