Painters Insurance

Painter holding a roller in a white room

Need Painters Insurance?
We've Got You Covered

In the world of painting, it’s not just about brushes and rollers – unexpected issues can crop up, from accidental damage to unexpected costs.

With over two decades of experience, we’re one of Australia’s trusted trade insurers, offering painters insurance that is bespoke to every individual. We’re here to ensure you can focus on delivering top-notch service, minus the worry of unforeseen hurdles.

Ready to have peace of mind? Get your free instant online quote today!

Get a Quote

What Insurance Does a Painter Need?

Painters and decorators in Australia needs several types of insurance to protect themselves and their business. These include:

  • Public liability insurance: This type of insurance covers you if you cause damage to someone else’s property or injure someone while working. It can also cover legal fees if you are sued for damages.
  • Tool insurance: This type of insurance covers your tools and equipment against theft, loss, or damage.
  • Commercial vehicle insurance: This covers any business vehicles you own for accidental damage because of the actions of you or your staff member.
Painter using a roller on the ceiling

Get Quotes for Your Painters Insurance Today!

Award-Winning Trade Insurance

Elite Broker 2013 Elite Broker 2014 Elite Broker 2015 Elite Broker 2016 IB Top 10 Brokerages 2018 Insurance Business Australia Top Brokerages 2019Award 2020Top 10 2021

Winner of the Insurance Business Top and Elite Broker in 2013, 2014, 2015, 2016, 2018, 2019, 2020 and 2021.

Painter wearing a hardhat using a roller on a wall

Why Is Public Liability Insurance Important?

Public liability insurance is important for painters for several reasons:

  1. Protection against claims: Public liability insurance covers a business against claims made by third parties for property damage or physical injury that may occur during trading. 
  2. Legal requirements: In Australia, public liability insurance is mandatory for most businesses, including painters, depending on what state or territory you are in. Failure to have this insurance can result in fines or legal action.
  3. Peace of mind: Having public liability insurance can give painters peace of mind knowing that they are protected against potential claims and lawsuits.
  4. Business continuity: In the event of a claim, public liability insurance can help a painter to continue operating by covering the costs of legal fees and compensation payments.

What Does Public Liability Insurance Cover?

What Is Covered?

  • Compensation costs for personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you that are in your care, custody, or control
  • Coverage of either $5 million, $10 million, or $20 million
  • Many public liability policies also provide cover for product liability

What Isn't Covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship or product recall
  • Professional negligence
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Punitive damages where the insured party acted so badly that extra damages were awarded
  • Liabilities assumed under contract that the insured would not be liable for at common law

Why is Tools Insurance Important?

Tools insurance is important for painters in Australia for several reasons:

  1. Protection of tools and equipment: Tools insurance covers the cost of replacing or repairing tools and equipment that are damaged or stolen while on the job. 
  2. Liability protection: You can be held liable for damage or injury caused by their work. Tools insurance can provide liability protection in case of accidents or damage caused by the use of tools and equipment.
  3. Customisable coverage: Tools insurance policies can be customised to fit your needs. This means that companies can choose the level of coverage that is appropriate for your business.
  4. Compliance with regulations: In some cases, tools insurance may be required by law or by the terms of a contract. Having tools insurance can help you comply with these regulations and avoid penalties.
Painter using a roller to apply white paint to a blue wall

What Does Tools Insurance Cover?

What Is Covered?

  • Ladders and landscaping equipment
  • Hand-held power tools such as hand saws, drills, or electric planers
  • Standard tools like hammers, wrenches, and bolt cutters
  • Hired tools and portable equipment

What Isn't Covered?

  • Equipment and machinery that are not portable are typically excluded from tool insurance
  • Tools that are damaged intentionally to collect insurance money are excluded from any insurance payout
  • Insurers will not cover tools damaged because of improper use under a tool insurance policy
  • Tools left unattended may not be covered. Find out the specifics of your policy by speaking with an insurance professional.
Painter leaning on his commercial vehicle with a paint bucket in his hand

Why Is Commercial Vehicle Insurance Important?

Commercial vehicle insurance is important for a painter in Australia for several reasons. These include:

  • Protection for your work vehicle: This type of insurance provides coverage for damages to your vehicle, theft, and third-party liability in case of an accident.
  • Coverage for tools and equipment: A comprehensive commercial vehicle insurance policy can also include coverage for your tools and equipment, protecting them from theft, fire damage, or damage caused in a vehicle collision or rollover.
  • Financial protection against liability claims: In the course of your work, you may accidentally cause property damage or bodily injury to a third party. Commercial vehicle insurance can help cover the costs of legal fees, settlements, or judgments resulting from these liability claims.
  • Peace of mind and business continuity: Having the right insurance coverage in place ensures that you can continue working and serving your clients even in the face of unexpected events or accidents. It provides peace of mind knowing that you are protected financially and can recover from potential losses.
  • Compliance with legal requirements: In some states or territories in Australia, it is mandatory for businesses to have commercial vehicle insurance. By having the appropriate insurance coverage, you can avoid potential legal issues and penalties.

What Does Commercial Vehicle Insurance Cover?

What Is Covered?

  • Articulated trailers
  • Caravans
  • Cranes
  • Excavators and bobcats
  • Forklifts
  • Front end loaders
  • Graders
  • Light and heavy rigid movers
  • Prime movers
  • Vans and utes

What Isn't Covered?

  • Pre-existing damage
  • Inebriated or impaired drivers
  • Failure to disclose information
  • Rental vehicles

Why Choose Us?

Award-Winning Trade Insurance Business

Expert Trade Insurance Brokers

Easy Online Equiry Form


You Are in Good Company

Trusted by Tradies All Over Australia.

Ryan was an absolute legend. He sorted my insurance out with no fuss and within a few hours I had my certificate of currency. I’m still waiting on phone calls from other insurance companies. Highly recommended!


Get a Quote Today!

It takes just minutes, get a quote from our friendly team.

Get a Free Quote Today!

Error: Contact form not found.