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PAINTERS & DECORATOR'S INSURANCE FAQ


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Whether you're looking to talk about insurance or need some advice on insurance products, we are here to help.

Painters and Decorator's FAQ

WHAT WILL MY POLICY COVER ME FOR?

If you choose public liability insurance you are covered for damages that you are responsible to pay if a person is injured or possessions are damaged as a result of you operating your painters and decorating business. For example, you leave the top of a tin of paint lying around and somebody steps on it and then onto a carpet. The building or home owner takes an action against you and it is found that you are liable for the damage to the carpet. Or, for instance, somebody falls over a paint brush and breaks a leg. They take an action against you because your equipment caused them to fall and injure themselves. Your public liability policy will pay your defence costs and any subsequent award.

If you also have employer’s liability cover, it covers you against accidents employees may have while working for you.

WILL YOU HELP ME COMPLETE A PROPOSAL FORM?

In most cases we will not need a proposal form. Cover will be based upon the conversations you have with us in relation to your painters and decorating business e.g. your business description, turnover and number of employees. Once cover is agreed, we will send you a summary of these conversations and this document is called a “Statement of Fact”. You can read through it and if there are any changes to be made, we can easily adjust your policy.

WHAT ABOUT INSURANCE FOR A WORKING DIRECTOR?

We can arrange cover for a manual working director and he or she will be insured as part of the policy under the “employer’s liability” section. If the working director is injured through fulfilling his role while working, he will need to take an action against his employer – his business. This may not suit – particularly in small businesses. We have an alternative:

We can arrange personal accident cover for a director and the price is based upon the weekly amount the director will be paid while out of work and the number of weeks that this payment will be made.

YOUR LOCAL TRADESMEN INSURANCE SPECIALIST

DEBBIE BRADY – Talk to our Painters and Decorators Insurance Agent today

DEBBIE BRADY

NAVAN

MARY WORDEN – Talk to our Painters and Decorators Insurance Agent today

MARY WORDEN

DUNDALK

MARION McBRIEN – Talk to our Painters and Decorators Insurance Agent today

MARION McBRIEN

MONAGHAN