Most of the tradesmen and manual workers use the public liability insurance, which protect them, if they cause any third party damage or third party injury while doing work. It is necessary for painters and decorators to have the public liability-insurance. Because it provides the protection for their business from liability claims.
Public-liability insurance is not legally compulsory, but it is highly recommended to any business. The cost of the liability-insurance is lesser expensive while compared to the costs of defending a liability claim.
Generally painters and decorators use a lot of equipment and tools for their trade and this can be the one of the aspects to use the public-liability insurance. They may leave the tools around, so they may held liable for the injury, in such cases this insurance is useful. Suppose if they carry such materials to different places, then it may cause to accidentally knock over a vase or an expensive ornament of some type,then property owner would hold liable for repair or replacement of such item. So again in this case, public-liability insurance come into picture.
If you are employer, you can consider the employer liability-insurance as well along with public-liability insurance. Because, there may be injuries to the employees, so they may make claim against the business. Therefore, public-liability insurance and employer liability-insurance, both policies help you to protect yourself and your business.
In this way public-liability insurance will help the painters and decorators to protect their business for any time. But it is important to have insurance from a reputable insurance company.