Insurance For Painters and Decorators - A Must Have Cover
If you are doing your job you're probably working either in another person's home, or an office or perhaps a public building somewhere. You will find risks as a result of in other people's property or about other people and you must be insured in the event an incident happens. You may be claimed against and the expense of the claim could possibly be quite large, you have to have insurance cover to greatly help buy claims like these.
Public Liability Insurance will undoubtedly be your primary insurance cover and will protect you if you cause accidental injury or damage to a different person or their property. You need to have this kind of insurance as a Painter and Decorator because it'll cover you for the unexpected.
If you have employees it will undoubtedly be important to possess Employers Liability Insurance. This will cover you if a worker falls ill or is injured whilst at work. Claims by employees can often be quite large. Another important factor is that this cover is needed by law in the UK.
Tool and Equipment Insurance may be included with your main insurance cover to assist you when you yourself have expensive tools and equipment that you might want for running your business. Having your tools and equipment lost or stolen can be hugely annoying and could prevent you from trading, meaning you may lose money.
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