PAINTERS & DECORATORS INSURANCE
OUR EXPERIENCE WITH PAINTERS & DECORATORS
Atlantic has been looking after the Insurance needs of Painters and Decorators for the past 30 years.
Our experience extends to the Domestic Environment, Large Scale Commercial or Industrial Sites along with considerations around working at height. Like all other trades connected to the Building Industry we are currently experiencing a significant increase in claims activity. This has insurers being more particular about the type of risks they accept and if the wrong coverage is secured it could have implications in the event of a claim.
ATLANTIC PAINTERS & DECORATORS INSURANCE SERVICES & ADVANTAGES
- Access to a Client Manager that has specialist knowledge and skills in arranging Insurance solutions for Painters and Decorators
- Where possible, we find an onsite visit is better to understand your risk can be advantageous
- Monthly premiums available
- Access to a wide range of products and insurers for all classes
- Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
PAINTERS & DECORATORS COVERAGE CONSIDERATIONS
Most Painters and Decorators would be aware they require a Public and Products Liability Policy. A Public and Products Liability Policy covers against the Property Damage or Personal Injury sustained by a Third Party as a result of your negligence. In the case of a Painter this could involve an injury to a member of the public or even another contractor, damage to adjoining property as a result of overspray, spilling of paint and the like. Evidence of Public Liability Cover is almost always requested by the Builders you work with or the owners of the Homes, Councils and Commercial Property owners that call upon your services. Arranging Insurance for Painters and Decorators is not a one size fits all consideration. The working environment, type of painting and or spraying, turnover, level of cover, number of staff and heights worked at all need to be considered in arranging appropriate Insurances for a Painter and Decorator. Each of these factors can also influence premiums so it is especially important that accurate up to date information is gathered to ensure the most competitive premium and coverage can be secured.
In addition to the traditional Public and Products Liability policy, a Painter may also consider a Business Insurance Policy attached to Stock and Contents and a Commercial Motor Vehicle Policy covering company vehicles. A Tools of Trade policy attaching to ladders, trestles, drills and spray guns against damage or theft is also worth considering. Click below to find out more information on some of the common policies that we discuss with our Painter and Decorator Clients.
Income Protection
Insurance
Income Protection
Insurance
Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.
Workers Compensation
Insurance
Workers Compensation
Insurance
Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.
Goods In Transit
Insurance
Goods In Transit
Insurance
If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.
Management
Liability Insurance
Management
Liability Insurance
We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.
Construction Insurance
Construction Insurance
With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.
Plant &
Machinery
Plant &
Machinery
Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.
Commercial Motor
Insurance
Commercial Motor
Insurance
We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.
Business / Factory
Insurance
Business / Factory
Insurance
If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.
Tax Audit
Insurance
Tax Audit
Insurance
The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.
Injury & Illness
Insurance
Injury & Illness
Insurance
If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.
Tools
Insurance
Tools
Insurance
If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.
PAINTERS & DECORATORS RISK – OUR OBSERVATIONS
As Insurers chase profitability, we are seeing an increase in policy conditions and exclusions attached to Painters and Decorators Policies especially around working at heights. As a Broker that specialises in arranging Insurance for Trades we know what to be mindful of in selecting appropriate Covers and wherever possible we look to secure the Policy which provides the broadest scope of cover with the least amount of conditions and exclusions at a competitive premium.
CURRENT CLAIMS LANDSCAPE
Painters and Decorators often require specialist equipment such as Scissor Lifts, Trestles and Lifters to complete more complex jobs. A common misconception is that Hire Companies will insure these items on the behalf of the Hirer for loss or damage. This is often not the case and you may be considerably out of pocket if any loss or damage to this equipment occurs whilst you have this equipment on hire, even if the loss / damage is not your fault. Speak with us today to discuss how we can extend your policies to ensure hired equipment is covered correctly.
