🎨Trades & Contractors

Public Liability Insurance for Painters & Decorators

Painting and decorating involves working at height, using hazardous materials, and accessing client homes and businesses. Our painters insurance covers injury claims and property damage across residential and commercial properties.

✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $450💡 Free Expert Advice✓ No Obligation

✅ What's Covered for Painters & Decorators in NZ

Medical costs and compensation for fall injuries

Property damage from paint spills and stains

Legal defence for third-party injury claims

Damage to client flooring or fixtures during work

Removal costs if you damage structural elements

Injury to third parties from your equipment or tools

Chemical burn or inhalation injury claims

Typical NZ Premium

$450 – $1,000/year

Cover limits: $1M, $2M or $5M

Get My Quote →

⚠️ Key Risks Facing Painters & Decorators in NZ

Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by painters & decorators in New Zealand:

01Falls from ladders or scaffolding

02Injury to bystanders from falling equipment

03Paint spill damage to client furnishings and flooring

04Damage to client property during preparation work

05Chemical burns from paint or solvents

06Respiratory issues from fume exposure

07Structural damage from removing wallpaper or plaster

08Injury from power tools (sanders, grinders)

Frequently Asked Questions

Am I covered if I damage a client's carpet while painting?

Yes. Accidental damage to client property caused during your work is covered by public liability. Always use protective coverings to minimise claims.

What if I fall off a ladder and get injured?

Public liability covers your injury to third parties, not your own. You'll need ACC and possibly worker injury insurance. Check if you're covered as self-employed through ACC.

Does the cover include wallpapering and decorating work?

Yes. Painting, wallpapering, and general decorating are all covered. Let your insurer know the full scope of your work.

Are heritage properties or period homes riskier?

They can be. Working with old plaster, leadpaint, or historic surfaces may need special care. Discuss heritage work with your insurer—some may ask for higher premiums or conditions.