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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 covers are available to you?

  • Public or product liability limit to fit your business

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

  • Faulty workmanship cover

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

  • Tools of trade cover

  • Property being worked on cover

  • Covers apprentices working for you

Additional cover we can arrange

Product and services

Business insurance

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

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Product 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.

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Product 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.    

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Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insights and risks, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers has spent years at the forefront, supporting business owners to manage their unique risks in a fast-changing market. Our brokers keep ahead of the latest market insights, both local and global, and break down complex terminology. 

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.

Award-winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year at the New Zealand Insurance Industry Awards.   

Competitively priced

Our experienced team of brokers can leverage our strong market relationships to negotiate competitive premiums for all types of painters and decorators.

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. At Marsh, our brokers 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:

  • 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 accepted your policy and we will arrange for a certificate of currency to be sent to you from your insurer. 

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.

Related insurance solutions

slected option

Plumbers insurance

The right plumber insurance can help prevent financial leaks. We can arrange watertight cover on your behalf – tailored to your business.

Plasterers insurance

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

Carpenter insurance

Woodwork is your thing. Insurance is ours. Keep your business and your tools covered with insurance arranged by Marsh.

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Professional indemnity cover

Help protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs.

Public liability cover

Help protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs.

Retail insurance

Whether you’re online or in-store, let Marsh service your insurance needs – so you can stay focused on your customers.   

Hospitality insurance

Hospitality workers work hard. Take a load off – let us arrange a comprehensive policy tailored to your needs.

Professional services

You’re an expert in your field. We’re experts in ours. Let Marsh arrange professional services cover tailored to you.

LCPA 23/150.

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.