INSURANCE WORK - Magic Painting and Decorating



By contrast, employing a professional, while probably more costly initially, could save you money in the long term. This is because most professionals have access to the correct tools and materials and they are usually experienced in dealing with the task at hand – meaning they know the risks ahead of time and get the job done quickly and efficiently. In the UK, it is actually illegal for an unqualified person to undertake certain work on electrical wiring or work on gas installations, making it essential to employ a qualified tradesman.

You should however, ensure that the professional you hire has suitable qualifications and insurance. Check to see whether the tradesman has business insurance and what it incorporates. For example, does it include employers’ liability insurance in case anyone working for the tradesman in your home is injured; and is there public liability insurance in case any damage is caused to your property?

Make sure you shop around before hiring a professional. Check into their experience; references; and ideally get a recommendation from someone you trust, such as a friend or family member so you have a clear idea of what to expect. Also ask for an estimate and a complete written contract so there are no disputes over payments  

What about home insurance cover?

Whether you’re tackling the job yourself or employing someone to do the work for you, it’s important to check you have suitable home insurance cover.

Contact your insurance provider ahead of time and consult it about the work that is about to be undertaken. Remember that any changes to the structure of your home, for example, are likely to affect its rebuild costs – which could mean that you require additional buildings insurance cover.

When carrying out DIY work you should pay particular attention to the following aspects of your cover:

Accidental damage cover:

Most home insurance policies offer some level of accidental damage cover, but this typically only protects electrical items. For DIY work, it is best to look for extended accidental damage cover that incorporates other contents in your home and protects them against risks such as paint spillages. Be sure to check the terms and conditions for policy exclusions – circumstances in which the cover does not apply.


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Public Liability : £1,000,000

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