Insurance for Painters

Why do painters need insurance?

You might have mastered the art of seamless brush strokes and colour matching, but as a painter, there are many unfortunate events that can happen when it comes to operating your business. And although you’re not using heavy duty machinery or tools to perform your work, as you’re out and about at various jobs, the likelihood of being held responsible for injury or property damage is always present.

For example, you might fail to properly place a floor covering, spill paint on someone’s carpet, and end up being sued to replace the carpet. Having to come up with this kind of money isn’t easy, and even if you did happen to have the cash on hand, paying to repair such damage is probably the last thing you’d want to spend it on. Insurance is therefore important for painters as it provides you with some assurance that should you suffer this type of incident, you’re not left with significant out of pocket bills.

What Insurance do Painters need?

Tradies Insurance (or Tradespack) combines Public & Products Liability cover with cover for tools, equipment & machinery. Public Liability Insurance covers you and your business if you’re held responsible for injury to a third party during the course of your work, or if your business activities cause damage to someone’s property. If a claim of injury or property damage is brought forth against you, the financial burden can be very significant. Public Liability helps by covering the cost of legal fees you incur in defending yourself, as well as compensation you may be required to pay in these instances. Depending on the sites you work on, some clients may even require you to hold this cover before they let you start on the job.

When taking out a Tradies Insurance policy, you can also opt to cover your tools, equipment and machinery. This is an optional extra, and is designed to cover your spray gun, ladder and other equipment you use if they’re stolen, damaged by events like storm or fire, or accidental damage.

Why HIA Insurance Services?

HIA Insurance Services (HIAIS) combines the construction industry expertise of the Housing Industry Association (HIA) with the risk and insurance knowledge of Aon to provide products and advice that are specific to the residential construction industry.

We arrange insurance policies that are suited to the unique risk exposures faced by painters by offering painter public liability and professional indemnity insurance, among other useful business insurances. As one of the largest and most experienced insurance brokers in the country, HIA Insurance Services can arrange insurance policies tailored to the needs of painters and other construction industry trades, as well as pursue fast and hassle-free claims processes.