Painters play such a huge role in making places beautiful. No wonder why you guys are always busy. But hey, all this painting work brings along some risks with it too. Give an apprentice a spray gun to paint the fence and they are sure to spray the neighbour’s car. Therefore, to cover yourself in a situation like that, Painters Insurance is really important.
Clever Painters manage their risks well but when bad luck strikes, there comes your Painters Business Insurance program to save you.
What is Painter Insurance?
People often call it Painters Insurance but it’s a general term for insurances needed for Painter Business Insurance program. The type of work you do, and the size of your business will usually dictate the complexity of your insurance program but cornerstone insurance that you need is Painter Public Liability Insurance. Customers would usually ask for a certificate that shows you have a current policy before they give you a job because they want to make sure that you have the right coverage in the event something does go wrong.
Painters Public Liability Insurance
Public liability Insurance the cornerstone insurance for your business protects your business against financial loss due to an incident occurring as a result of your business activities that leads to someone’s death or injury or damage to their property. Like we mentioned earlier, if your apprentice sprayed the neighbour’s expensive car accidentally, this insurance would come in handy. To discuss your insurance needs, hit the green chat button to get in contact or call us.
Commercial Vehicle Insurance
Your business use vehicles need to be insured under a commercial vehicle insurance policy. Is it one Van or Ute perhaps with your business signage worth $2000 on the vehicle. If you are a big Painting contracting company you may have a fleet of vans raring to go every morning at 6:30 for all the bookings you have been taking. The vehicles insurance needs will depend on the size of your business which can be insured under commercial vehicle insurance. Talk to us to get a quote.
Personal sickness and health insurance
A Painter knows best what personal injury risks there are in your trade. One minute you are working on heights, ladders, scaffolds the next minute, you are in confined spaces with all the exposure to chemicals, solvents, flammable and combustible materials. You also work in awkward positions with repetitive physical tasks. You never know when an accident might happen. If you did get hurt, would you benefit from Personal Injury Insurance that continued to pay you a monthlywage or a lumpsum?
Speak to us if you have questions about how injury insurance may benefit you along with the Public Liability Insurance. Talk to us to get a quote
What other insurances can form part of Painter Business Insurance program?
If you are just starting out, the cornerstone insurance is the Painters Public Liability Insurance. You will need to add the Commercial Vehicle Insurance to it to get going and a perhaps discuss with an insurance broker i.e. CoverTradie to complete your Painter Business insurance program.
There are a range of other insurances that are very useful for your business, see list below:
- Property Insurance
- Business Interruption
- Management Liability
- Tax Probe
We would be absolutely delighted to help you out whether you need insurance coverage or just have a burning question that you’d like to answer.