We’re Covered: £1 Million Public Liability Insurance for Your Peace of Mind
- R Drummond & Son
- 2 days ago
- 6 min read
We’re Covered: £1 Million Public Liability Painter & Decorator Insurance for Your Peace of Mind
At R Drummond & Son, we’ve always taken pride in delivering clean, reliable, and trustworthy painting and decorating services across Sussex. Now, we’ve taken our commitment to professionalism one step further — we’re officially covered by £1,000,000 public liability insurance with Rhino Trade Insurance and reviews are located here.
“We picked Rhino because it just made sense — very affordable, easy to set up, the quote was great - they have exceptional reviews -and now we know we're properly covered for our customers.”
- R Drummond & Son Painting & Decorating.
Whether you’re a homeowner in Worthing, a landlord in Brighton & Hove, or a business owner in Shoreham, you can now hire us with even greater confidence.
Why Public Liability Insurance Matters to You
Public liability insurance isn’t just for us — it’s for you. It’s the reassurance that if the unexpected ever happens, you’re protected.
Here’s what it means:
If a decorator accidentally damages your furniture or flooring — you’re covered.
If someone trips over equipment and is injured — you're protected.
If something goes wrong on-site, whether at your home or business premises — you won’t be out of pocket.
This kind of cover is especially important for customers in Brighton & Hove, where we often work in historic or high-end properties, and in Worthing, where many of our clients are families and retired homeowners who want peace of mind with trusted, insured tradespeople.
And for full transparency: in over 40 years of business, we’ve never had to make a claim. But it’s there if you ever need it — and that’s what matters. View Public Liability Cover for R Drummond & Son - Interior & Exterior Painting & Decorating Services - Serving the whole of Sussex, UK.
Fully Insured Decorating Services Across Sussex
This insurance applies to all the services we offer, including:
Interior painting and decorating
Exterior painting
Wallpaper hanging
Woodwork refinishing
Commercial and office redecorating
Rental property refreshes
Dustless sanding and surface prep
Small repairs before decorating
Whether we’re repainting a Brighton townhouse, wallpapering a lounge in Shoreham, or handling an office refresh in Crawley, you’re hiring a fully insured local team who takes health, safety, and accountability seriously.
Why Being Insured As A Painter & Decorator Matters
In today’s world, true professionalism in decorating isn’t just about how neat your brushwork is — it’s about how responsibly you run your business.
Our £1 million public liability cover with Rhino Trade Insurance reflects that commitment. It means:
We take your home, business, and peace of mind seriously
We follow health, safety, and industry best practices
We’re fully compliant with UK regulations and standards
We’re prepared for the unexpected — even though we’ve never needed to make a claim
It also shows we're not a fly-by-night outfit. We’re a trusted, family-run company based in Sussex and decorating homes and businesses since 1983 — and we’re here to stay.
Who This Protects — Sussex Homeowners, Landlords, and Businesses
Whether you’re a:
Homeowner in Worthing looking to renovate your living room
Landlord in Brighton preparing a flat for new tenants
Café owner in Hove updating your shopfront
Property manager in Lancing overseeing maintenance
Or anyone else across Sussex needing trusted decorating work
This insurance gives everyone peace of mind. You know you’re not just getting a beautiful finish — you’re getting a secure, covered service that values your property and your trust.
Backed by Rhino Trade Insurance – A Trusted Name
We chose Rhino Trade Insurance for a reason — they specialise in cover for UK trades, including decorators, builders, and electricians. Their policies are straightforward, transparent, and designed for real-world scenarios that matter to clients.
Rhino is also well-rated across the trades, giving us confidence that we’ve partnered with a provider that understands what it means to work inside customers’ homes and businesses.
So whether we’re painting a seafront flat in Brighton or wallpapering a family home in Worthing, you know we’re fully insured, properly vetted, and committed to delivering a safe, professional job every time.
FAQ: Public Liability Insurance & Hiring Decorators in Sussex
1. Do painters and decorators in Worthing need insurance?
Yes — and any reputable painter or decorator working in Worthing or anywhere in West Sussex should carry public liability insurance. It’s not a legal requirement, but it’s a mark of trust, professionalism, and safety. Without it, if something were to go wrong on your property — such as accidental damage to your floors, walls, or possessions — you might be left to foot the bill. At R Drummond & Son, we’re covered up to £1 million, which gives our Worthing clients full peace of mind.
2. How does public liability insurance protect homeowners in Brighton & Hove?
Public liability insurance ensures that you’re financially protected if anything goes wrong during your painting or decorating project. In Brighton & Hove, where many homes are period or listed properties, this coverage is especially important. From paint splashes on antique flooring to dust during prep work — if there's accidental damage or injury caused during our work, the policy steps in. That means you’re never liable, even in high-end or high-risk environments.
3. Can I ask a decorator to show proof of insurance before hiring them?
Absolutely. In fact, you should. Any trustworthy decorating company will be happy to show proof of cover. At R Drummond & Son, we make it simple — our Rhino Trade Insurance policy can be viewed by any client on request. If you're comparing decorating quotes in Shoreham, Hove, or Arundel, be sure to factor insurance status into your decision. A cheaper quote from someone uninsured may end up costing more if issues arise.
4. Is £1 million public liability insurance enough?
For most domestic and light commercial decorating projects across Sussex, £1 million is more than sufficient. It covers injury to third parties, damage to property, and accidents involving equipment. Whether we’re decorating a two-bedroom flat in Brighton, a family home in Worthing, or a shop in Shoreham, this policy gives our clients complete protection.
5. What happens if there’s damage and the decorator has no insurance?
If you hire an uninsured decorator in Sussex and something goes wrong, you might have to cover the damage yourself — or try to pursue the decorator legally. It’s a headache nobody wants. That’s why it’s so important to check before agreeing to any work. We’ve never had to use our cover, but knowing it’s there gives our clients across Lancing, Horsham, and beyond total confidence in us.
6. Does public liability insurance cover decorating mistakes or bad workmanship?
Not usually. Public liability insurance covers accidents and unintended damage — like spilling paint, breaking furniture, or someone tripping over a ladder. Poor workmanship (like uneven walls or patchy paint) is more of a quality control issue and should be addressed by the decorator directly. At R Drummond & Son, we stand behind our work with pride. If you’re not happy, we’ll make it right — that’s just good business.
7. What services does your insurance cover?
Our insurance applies to every decorating service we offer:
Interior and exterior painting
Wallpapering and wallpaper removal
Dustless sanding and prep
Commercial decorating
Woodwork restoration and finishing
Rental and landlord redecorating
Office and hospitality refurbishments
So whether we're repainting a Brighton home or giving a Shoreham café a facelift, you’re hiring a fully insured, professional team.
8. Do landlords in Sussex require insured tradespeople?
Yes — and many letting agents and property managers in Sussex won’t even work with uninsured decorators. If you’re preparing a rental property in Brighton, Hove, or Crawley, hiring an insured team like ours means you can prove compliance, reduce liability, and protect your tenants.
9. Does public liability insurance mean the decorator is more expensive?
Not necessarily. Some uninsured decorators may offer cheaper quotes — but they’re usually cutting corners in other ways too. At R Drummond & Son, we keep our rates competitive and fair, while maintaining high standards. We’ve found that most Sussex clients value peace of mind, trust, and safety more than shaving a few pounds off the price.
10. Is R Drummond & Son insured for work in commercial buildings?
Yes. Our public liability insurance covers us for both residential and commercial decorating projects. We regularly work in offices, shops, restaurants, and salons across Brighton & Hove, Worthing, and Lancing. Whether you’re repainting a retail unit or refreshing an office interior, you’re protected.
Where We Work – Sussex Coverage
Based in Lancing, we serve homeowners and businesses across East and West Sussex, including:
Need a Painter in Worthing, Brighton & Hove or anywhere else in Sussex? Get in Touch
We’ve helped hundreds of Sussex homeowners with clean, professional decorating since 1983.
📞 Call Rob today: 07876 646252
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