Insurance for Painters
"Who painted that !?"
It is amazing the difference a good coat of paint can make to a house, office, building or shop – and it is amazing the difference a good painter can make to a paint job.
As a painter you know that while "anyone" can paint their property themselves not "everyone" can achieve a high quality finish every time.
It's the same with business insurance. While you can try "do it yourself" or try a generalist insurance company it makes sense that a business insurance broker that specialises in finding suitable policies for tradespeople every working day is well positioned to source multiple competitive quotes for you to cover your painting business risks.
At SMART we can't help you with the sanding, filling or the actual paint job itself , but we CAN help you with cover for your painting business.
What are some of the types of cover your painting and/or decorating business need?
What does Painters Insurance cover ?
Insurance for painters can cover the following types of insurances and business risks.
- Public Liability:– ie. cover for accidents involving other people or other people's property
- General Property – eg: loss of painting equipment.
- Fidelity – eg: for painters that employ staff there is employee fidelity risk in regards to client cash, laptops etc.
- Accident and Sickness
- Business Interruption- to protect against loss of business income.
Why do painters need insurance?
There are many important reasons why painters should have insurance. It can protect the painter in case of accidents to a third person, property or themselves. For example if someone trips over paint cans or over furniture you just moved the damage to their person can be covered under public liability insurance. Alternatively if your scaffold fall as and damages your clients, or their neighbours property, this can also be covered under public liability.
If you have your painting equipment stolen this can be covered under general property.
And if you hurt yourself on the job personal accident and sickness insurance can help cover your income.
How much does painters insurance cost ?
Painters insurance today can cost as little as approximately $450 for public liability for some
sole traders for $5million of cover . $10 million cover , which we recommend can be $50 to $100 more but provides significantly more protection in case of a major accident involving another person.
For general property, fidelity, business pack insurance, business interruption , personal accident and sickness costs we recommend you talk to one of our trade business insurance brokers for a cost and cover that is suitable to your business size, activities and risks.
Painters insurance quotes
For many people, paying for a quality painter is similar to paying for a suitable business insurance policy. Few people really want to fork out for painting but they know the difference it can make to a space. Similarly, business insurance is often seen as a "grudge purchase" by small business owners - but they know it can be invaluable when they need to claim.
Our business insurance brokers are specialists in tradespeople, including painters. They can source suitable painters insurance quotes for business insurance packages (biz pack) to suit the needs of sole trader painters ,house painters, painting contractors and small, medium and large painting businesses.
Depending on the size and nature (eg: domestic or commercial) of the painting service, our brokers know which insurance companies and underwriters are likely to provide suitable cover and competitive insurance quotes and prices for painters.
TALK to a SMART Business Insurance broker on 1300 542 573 or email us at email@example.com for SMART insurance cover for your painting businesses.
1300 542 573
TALK to a SMART Business Insurance adviser
Monday – Friday 8.45 am - 6.00 pm AEST
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