Public liability, tools and contract works cover options for painting businesses across Australia. Talk to a specialist trade broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Painting work carries real consequences when something goes wrong: overspray damage, spills on a client’s floors, or falls from ladders and scaffolding. Whether you’re a sole trader doing residential repaints or running a crew on commercial painting contracts, Sol Insurance Brokers can help you explore cover options that reflect the risk you actually carry.
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Is designed to help protect you against claims for third-party injury or property damage arising from your work, including overspray or accidental damage to surfaces and fittings, subject to policy terms.
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Relevant where you provide colour consultation, specification or advisory services as part of your painting work, particularly where an error could result in financial loss.
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Cover for spray equipment, ladders, scaffolding and other tools and business assets against risks such as theft, loss or accidental damage, subject to policy terms.
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Cover for utes, vans and service vehicles, including trade fit-outs and permanently attached equipment where applicable.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Overspray, spills or accidental damage to surfaces, fittings and finishes
Falls from ladders, scaffolding and elevated work platforms
Subcontracting arrangements and insurance requirements imposed by builders, principal contractors and site operators
Theft or accidental damage to spray equipment and tools, particularly while travelling between worksites
Damage to customer property, furnishings or flooring while carrying out painting work
Supply and application of coatings and finishes, creating additional contractual and liability considerations
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Professional indemnity may be relevant if you’re providing colour consultation or specification advice as part of your work, since it responds to a different kind of claim, one based on advice rather than physical damage. We can talk through whether it makes sense for your work mix.
Tools, equipment and plant cover can include theft and accidental damage, often including tools kept in a locked vehicle. Conditions such as security requirements may apply, so it’s worth checking policy wording.
Subcontracted work can generally be considered when structuring your cover. Let us know the head contractor’s or site operator’s insurance requirements and we can help you explore options that meet them.
Public and products liability can respond to claims for property damage arising from your work, including damage that becomes apparent after the job is complete, subject to policy terms and conditions.
It can. Supplying and applying specialised coatings or finishes may add product-related exposures alongside your standard liability cover, so it’s worth reviewing your policy to reflect this.
It may be relevant where you’re responsible for work in progress. Cover can help protect against events like theft, fire, storm and accidental damage while the work is underway, subject to policy terms.
Tell us a bit about your business and one of our brokers will be in touch.
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