Painters Insurance in Australia – Cover for Painters and Decorators
Complete Coverage
Our plans provide extensive coverage options tailored to your needs and preferences.
Trustworthy Support
Our dedicated team is always here to assist you through every step of the process.
Flexible Options
We offer customizable plans that adapt to your changing needs over time.
Insurance for Painters and Decorators
Painters face unique risks every day — from working at heights to using spray guns near customer property. A slip, spill, or accidental overspray could lead to costly claims for property damage or personal injury. Our brokers design painters insurance packages that are designed to cover your core insurance types: public liability, products liability, tools, and optional commercial motors.
Public & Products Liability
Cover for third-party injury or property damage arising from your business activities, plus products liability insurance if materials or finishes cause harm. Common cover levels: $5m, $10m, or $20 million.
Tools Insurance
Protects essential gear — spray guns, brushes, rollers, ladders, sanders and more — against theft and accidental damage on site, in storage, or in transit.
Business Vehicle Insurance
Cover for vans, utes and trucks used for your painting business. Add to your package for a complete business insurance solution.
Professional Indemnity
Protects you if a client alleges loss due to your advice, colour consultations, specifications, or project oversight. A practical add-on for painters who provide recommendations or manage trades.
Workers Comp & Personal Accident
Helps protect income if you or staff are injured on the job. Workers compensation may be required by law when employing people; personal accident is vital cover for sole traders.
Why Painters Need the Right Cover
Site compliance and contract requirements
Builders and site managers often require proof of liability — commonly $10m or $20 million — before you start work.
Cover that’s designed to cover real painter risks
Overspray, slips, spills, ladder mishaps and damage to client property — tailored by an experienced insurance broker.
Flexible insurance types
Bundle public liability, products liability, tools, and business vehicles into one painters package.
Transparent PDS
We walk you through your Product Disclosure Statement so you know exactly what’s covered and any exclusions.
Claim Example
A painter in Melbourne accidentally oversprayed paint onto a tiled roof while using spray guns. The client claimed $12,000 for cleaning and property damage. Their painters public and products liability policy covered the costs and associated legal fees, keeping the project on track.
Frequently Asked Questions
Do painters need public liability insurance?
Yes. Most builders require it. Typical limits are $5m, $10m or $20 million depending on contract size and risk.
Is painters insurance tax deductible?
Generally yes, when it relates directly to your business activities. Confirm with your accountant.
Can I bundle tools and vehicle cover?
Absolutely. Many painters and decorators choose a single business insurance package including tools and business vehicles.
What’s in the Product Disclosure Statement?
Your PDS explains what the policy is designed to cover, limits and exclusions. We’ll review it with you before you buy.
How much does painters insurance cost in Australia?
Costs vary based on your turnover, the level of cover you choose (e.g. $5m, $10m, $20m liability), and any extras like tools or vehicles. Many painters prefer monthly payments to keep cashflow steady.
Do subcontractor painters need their own cover?
Yes. Even under a head contractor, you’re usually responsible for your own public liability insurance and may be asked to show a current Certificate of Currency before starting work.
Why Choose Us for Painters Insurance?
At ProTrades, we do more than just sell insurance—we provide tailored protection designed specifically for tradies. We understand the unique risks and challenges of your trade, and we’re committed to making insurance simple, affordable, and stress-free.
We focus exclusively on trade professionals, so we know exactly what coverage you need—without the unnecessary extras.
No one-size-fits-all policies here. We customize your insurance to match your trade, ensuring you’re covered for the real risks you face.
If the unexpected happens, our team takes care of the hard work, liaising with insurers on your behalf to ensure a smooth and stress-free claims process.
Cash flow can be tight, so we offer pay-by-the-month options (via Premium Funding – additional charges apply) to help you manage costs.
We believe in transparency. We’ll review your policy, break it down in simple terms, and highlight any gaps—so you know exactly what you’re getting.
Whether you’re in Perth, Brisbane, Darwin, Hobart, Melbourne or anywhere in between, we’ve got your back with insurance that travels with you.