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Painters and decorators cover

Let Marsh arrange tailored cover options for your unique risk needs – and be sure your business is covered evenly.

Why should I consider painters insurance?

As a painter, you face many risks while on the job. You work at varying heights – and you’re required to move around frequently. That puts you – and any third party in the vicinity – at heightened risk.

In the event of a claim from a third party for damage or injury, your business could pay the price.

At Marsh, we encourage you to consider public and product liability insurance to help keep you and your business safe.

What’s covered?

  • Public or product liability starting from $5 million and up to $20 million

    The limit of liability is the maximum amount that can be provided under the insurance policy.

  • Errors and omissions cover up to $250,000

    Helps protect you from claims that may arise from any mistakes you may make in the services you provide.

  • Property cover up to $250,000

    For property in physical or legal control.

  • Excess options ranging from $1,000 to $10,000

  • Advertising liability cover

  • Cover for paint work in buildings above two storeys

  • Covers apprentices working for you

Additional cover we can arrange

Products and services

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.

Learn More

Products and services

Business interruption cover

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Learn more

Products and services

Business vehicle insurance

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Learn more

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Competitively priced

Our experienced team of brokers can leverage our strong market relationships to negotiate competitive premiums for plasters.

No height restrictions

Want to work at great heights with high confidence? We’ll arrange public liability cover that protects you during plastering projects higher than two storeys.

Same day certificates

Need to provide proof of your insurance? Simply purchase your public liability insurance and we'll email your certificate of currency to you.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Frequently asked questions

We understand that premiums play a big role in choosing the right policy. But there is more to consider.

Premiums are based on the amount of risk the provider takes on – so a lower premium often means more exclusions.

To avoid confusion, be sure to read your policy wording and product disclosure statement carefully.

In addition to public and product liability insurance, there are several additional cover options to consider as a professional painter. These include:

  • Personal accident

  • Tools and equipment

  • Business vehicle.

The insurance needs of a painter can vary, depending on the type of work they perform. 

Marsh’s Trades team can help you to understand the nuts and bolts of the industry’s risks – and what cover you’ll need.

It depends on how frequently your business changes.

Major changes – such as business growth, greater work complexity or expanded services – should prompt an insurance review.

As a rule of thumb, we recommend you review your policy every year to ensure your business is covered for its current risk exposures.

A certificate of currency is proof that you hold a current insurance policy.

Please contact us once you have paid for your policy and we’ll email your certificate straight to you.

We can also provide you with policy wordings and tax invoices.

Yes. While there are a few exceptions, the main contractor’s public liability insurance will generally not cover a subcontractor in the event of a claim.

If you are subcontracting to a company and they claim you will be covered under their insurance, it’s best to get written confirmation.

Generally speaking, cover for overspray will depend on your public liability policy. It’s not that overspray is excluded – but the act of using spray guns is excluded under many policies.

It’s always best to let your broker know if you’ll be doing spraying work. They can ensure you have the appropriate cover in place.

Related insurance solutions

slected option

Business insurance

Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more.

Business vehicle insurance

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Business interruption cover

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

Goods-in-transit insurance

Cover your cargo, bolster your business. Help maintain your forward momentum with insurance arranged by Marsh.

Management liability insurance

Help protect your business – and your team – against management and operational risks with management liability cover.

Personal accident

With personal accident cover you can be sure your medical expenses are covered in the event of an on-the-job injury.

Plasterers insurance

lastering can be risky – but mistakes don’t have to cost your business. We can arrange plasterer cover tailored to you.

Handyman insurance

If you’re handy by trade, we can help you stay covered. Let us arrange handyman insurance that’s tailored to you.

Tradies insurance

Our experienced trades team can arrange comprehensive cover at competitive rates – and get you a certificate of currency on the same day.

LCPA 23/154

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.