If you are a painter then you more than likely have experience with public liability insurance for painting and decorating. The obvious occurances you would want to cover yourself for are spillages of paint and any injury that may be caused to your customer which is your fault for instance if you were to leave your equipment on the floor and the customer tripped over it and injured themselves.
The cost of public liability insurance for a painter and decorator is negligible when compared to the cost of replacing or repairing damaged goods. Failure to insure your liability could ultimately result in a huge financial risk should the unexpected occur. Now days many people will insist that you can show them proof of a public liability insurance policy before they allow you to work in their home or business premises.