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Painters Insurance

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Painters Insurance NZ

Your Go-To Painters Insurance Experts.

Whether you’re a sole trader or running a full-scale painting business in New Zealand, having the right insurance cover is critical for protecting your assets and ensuring business continuity. As specialists in the field, we at Gerrards Insurance Brokers can provide you with the ideal coverage for your needs. Contact us now for a quick quote or continue reading for a detailed understanding of painters insurance.

Why Do Painters Need Insurance?

Running a painting business isn’t without its unique risks. A single mishap, like an accident that causes property damage or an injury to a third party, can result in potentially crippling financial loss. Having the right insurance cover helps you mitigate such risks, protecting both your business and personal assets.

Types of Insurance Cover for Painting Businesses

Public Liability

This policy covers common business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps people or businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.


Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Tool Insurance

Safeguards your tools against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Cyber Insurance

Insurance that helps protect individuals and businesses from financial losses caused by cyber-related incidents, like data breaches and computer attacks.

Best For
  • Ransomware attacks
  • Phishing scams 
  • Cyber extortion 

Painters Insurance Claims Examples

Understanding insurance can be complex, so here are five practical examples to illustrate its importance:

Accidentally Painting Something the Wrong Colour

If you pick up the wrong paint colour paint from the shop and proceed to paint the interior of a house the wrong colour, the defective workmanship part of public liability cover could cover the costs to repaint it the correct colour. 

Door Left Unlocked

You accidentally leave a client’s door unlocked, and their property is burgled. Public Liability Insurance would typically cover the costs.

Painting Damaged on Way Past

You accidentally knock over a valuable painting while moving past. Public Liability Insurance could cover this incident.

Car Broken into and Equipment Stolen

If your car is broken into and your painting equipment is stolen, Commercial Vehicle Insurance and Plant/Tools Cover could reimburse you for the losses.

WorkSafe Investigation

If you’re under investigation by WorkSafe NZ for an alleged breach of health and safety laws, Statutory Liability Insurance could cover your legal defense costs.

What to Watch Out for with Builders Insurance

It’s crucial to ensure that your insurance policy aligns with your specific needs. Keep an eye out for:

Inclusion of Property Being Worked On or Defective Workmanship Cover

Your Public Liability policy should include these. Without them, anything you’re actively fixing or working on is not covered.

Public Liability Limit

With recent claims in New Zealand, consider a public liability limit of $2,000,000 or more, even if you’re working solely in the residential space. Always remember you want enough cover for the worst case scenario. 

Keys and Locks Cover

Ensure that your policy includes this cover. If you lose a key and the locks need to be replaced, you’ll want coverage.

Theft Cover Exclusions

Some policies exclude open-air theft from tool insurance. Make sure your policy is not overly restrictive.


Beware of fraudulent requests to transfer money to bank accounts. Cyber Insurance can help protect you against these types of cybercrimes.

How Much Does Painters Insurance Cost?

The cost of painters insurance varies greatly. It can start from as little as $300 a year for a small business wanting public liability cover to $1000’s for larger businesses with multiple vehicles and employees. Factors that influence the cost include:

Size and Turnover of the Business

Larger businesses with higher revenue typically pay more as they present a greater risk.


Rates may be higher in areas with a higher incidence of claims. This is especially applicable for vehicle insurance

Who is Being Covered

The number and experience of workers can have an impact on the cost.

Claims History

Businesses with a significant history of claiming on their insurance will pay more. 

Level and Types of Cover Required

Having a full suite of insurance products will cost more than just insuring a single vehicle. 

At Gerrards Insurance Brokers, we can provide you with an indication of cost or a full quotation based on your needs.

Making a Claim on Your Painters Insurance

When you need to claim on your painters insurance, we at Gerrards Insurance Brokers handle the claim on your behalf. Our claims experts simplify the process, providing the help and advice you need to secure a satisfactory resolution.

Buying Painters Insurance

Purchasing painters insurance is a critical business decision. At Gerrards Insurance Brokers, we guide you through the process, ensuring you get the right cover at the best deal. Contact us now for a quote. 


Protecting your painting business with the right insurance is crucial in safeguarding your livelihood. Understanding the various covers and their implications can seem daunting, but with Gerrards Insurance Brokers, you’re in capable hands. Contact us today to ensure your peace of mind as you colour the world one brushstroke at a time.

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