Painter / Plasterer Insurance

Plasterers public liability premiums vary based on a variety of factors. The best way to find out how much your public liability insurance premiums will be is to get a quote – complete the form and get a quote today!

Normally, yes. If you fixed a ceiling panel and later that day it falls down and cracks a client’s glass coffee table, your liability insurance would pay for the table. Or if a heavy decorative plaster molding you installed on a ceiling comes down and hits the homeowner causing injury, your insurance can cover their medical treatment and any compensation. It’s important to note that it will only cover the damage/injury, but not necessarily the reinstallation of the plaster piece itself (the cost to reattach the panel would typically be on you, as that’s fixing your work). However, the expensive part – the damage to other property or injury to the owners – is taken care of. Always ensure safety in your installs (enough fasteners, proper curing time, etc.), but if something beyond your control occurs and it falls, you’re not on your own if you have adequate insurance.

Yes. If you accidentally cut or drill into electrical wiring (or plumbing, or any built-in service) while working on walls or ceilings, and that causes damage, your insurance can cover the consequences. So, if you nick a wire and it shorts out the electrical system or knocks out power in part of the house, the cost for an electrician to come fix the wire and any related damage (like perhaps a burned-out circuit or repairing opened wall sections) would be covered by your public liability policy. It’s important to note that insurers expect you to exercise reasonable caution (for instance, using a stud finder to avoid wires, if possible), but these accidents can occur even with precautions. You’d pay your policy excess, and the rest is handled. Do note, if a huge area is affected (say a wire nick causes a fire – extreme case scenario – that’s covered too, though it becomes a bigger claim). The principle stands: accidental damage to services is covered.

Liability insurance tends to cover events that are sudden/accidental. Gradual damage (like slowly developing mold or cracks over months) often falls outside of that scope as “faulty workmanship” (which is excluded). Some policies have a limited cover for resultant damage from faulty workmanship – meaning they won’t pay to re-do your work, but will pay for other damage it caused. So if mold from your render ruined some carpeting or made someone ill, that part could be covered, but fixing the render or treating the mold in the wall itself might be on you.

Yes, generally one policy can cover all the services you provide within the finishing trade. We would classify your business appropriately – but this is why it’s important that you provide us a full list of services and business operations such as – “Gyprock installation, setting, cornice work, and external house rendering.” This way, there’s no doubt your policy covers you at that house where you might plaster the interior and render the exterior in the same project. If you add a new service later (say you start doing texture coating or painting as well), let us know so we can update your insurance policy as needed. Both interior drywall installation and external cement rendering have similar risk profiles – working on walls, heights, materials that could cause damage if mishandled – so insurers often group them. The premium might adjust slightly if one activity has higher risk (for instance, rendering can involve higher work on scaffolds outside – but that’s usually already considered with plastering too). If you’re looking for a specific renderers insurance policy, visit this page and get a quote.