Insurance For Painters
Insurance For Painters
Insurance For Painters
Insurance For Painters
Why it matters
Insurance for Painters doesn’t have to be an overwhelming task. Morgan Insurance Brokers are experienced in insuring Painters and protecting them from financial ruin. Depending on your activities, and the size of your operations, your painting business could be faced with a high level of risk each day. Ensuring that you have comprehensive Insurance in place is the smartest thing you can do to safeguard your business.
What Does Public Liability Insurance Cover?
Painters can benefit from a Public Liabiility Insurance as it will protect them from the financial implications if someone was injured on site out of their negligence, or if there was property damage in which they were liable for.
Below is a few examples of difference circumstances that could result in a personal injury claim against you
- A subcontractor you’ve employed is hurt on osite when he fell off some scaffolding. It is claimed that he was not provided with adequate training when he began work with you and as such, believes you’re liable for his medical costs and compensation for the time he had off work.
- Another tradesman on the building site has tripped over a ladder that you’ve left in the way of the usual path of foot traffic. The tradesman will claim that you did not have adequate warning signs or measures in place to provide a safe work area for other trades.
Below are common examples of third party property damage claims that can be brought against you
- Whilst you’re spray painting the external of a house, the spray drift has blown onto your clients vehicle. Your client has now demanded you pay for the respray of their car.
- When cleaning the glass windows when finishing a job, the rag that you’ve used has left marks on the glass pane. Your client has demanded that you pay for the replacement of the glass.
What's standardly excluded under a Public Liability Policy?
Work from heights greater than 10m
Product recall costs
Injuries to your employees
Asbestos and Pollution Liability
Damages caused by your motor vehicles
Intentional and deliberate acts
Professional Advice and Recommendations
Claims where you have assumed Liability
Is Public Liability Insurance Mandatory for a Painter?
Public Liability Insurance is not mandatory for a painter, however, it is highly recommended to protect your business. The construction industry has the most frequent injury claims. Injury claims can amount to hundreds of thousands in legal costs, then the compensation amount on top.
If you’re contracting to a larger company, they will request to see your Public Liability Insurance before you start work.
Personal Accident & Illness Insurance
Painters can protect their income if they cannot work because of a sickness or accident with a comprehensive Personal Accident & Illness Insurance Policy.
What's typically excluded under a Personal Accident And Illness Policy?
Pre existing injuries
Injuired occured before your policy start date
Professional Sports
Over 75 years
Cover exceeding 2 years
Criminal Acts
Mental illness
Suicide
How Morgan Insurance Brokers can help your Painting Business
Painters can face a large level of risk being in the construction industry.
Having an insurance program that will protect you from the financial consequences as a result of what could happen on the worksite is the smartest thing a painter can do to protect their future.
Morgan Insurance Brokers has access to a large panel of insurers and can arrange multiple quotes for Public Liability Insurance, Personal Accident & Illness, Motor Vehicle, and Tool Cover.
Contact us today to see how we can help your business.
