Handyman Insurance

A fixing job here, a furniture repair there; the work of a handyman is never done. Working across a bunch of trades means every day brings something new – but it also increases the risks you face in your line of work too. That’s why ensuring you get the right insurance should be one of your top concerns.

Liability insurance is a great first port of call for any aspiring handyman running their own business. Protecting you from claims made for injury to clients or members of the public, as well as damage to their property, public liability insurance is absolutely essential to keep your business safeguarded from accidents.

Your next item on the insurance checklist should always be employer’s liability insurance. This cover is a legal requirement for any business employing staff and will protect you against potential claims made against you by your employees. It’s worthwhile looking into this cover even if you only use subcontractors, as some types of subcontractors do still need to be covered by your employer’s liability insurance policy.

Finally, tools and equipment insurance is an absolute must in your trade. With the rates of tool theft on the rise in the UK, it’s never been more important for handymen to ensure their tools are insured. Tools and equipment insurance covers the replacement costs for any tools that are lost or damaged, and it can be a lifesaver in the unfortunate event that your van is broken into and your tools are stolen. It’s definitely worth considering for the conscientious handyman about town.

Accidents can happen at the most unexpected moments, so when you’re running a business, it really does pay to have insurance in place. Here are just some of the situations that handyman insurance could protect you against:

You’re on a big job in a client’s property and you’re unloading your van. You leave your locked van unattended for half an hour while you’re consulting the customer about the work they’d like done. When you return, you discover your tools have been stolen from your van. This is where you’ll thank your lucky stars you bought tools & equipment insurance – with your cover, your insurer will pay to replace your tools, so you aren’t left out of pocket by someone else’s greed.

Handyman insurance tends to be relatively inexpensive, although the actual cost will vary depending on a number of factors. It’s important to remember that although cutting corners when you’re buying insurance might save you a small amount of money, in the long run that can prove to be a bad decision because you could find that you’re not fully insured if you need to make an insurance claim.

The two main things that affect the price of your insurance are your previous history, and what you need to insure.

Please complete our easy to follow online insurance quote steps to see how much your handyman insurance will cost.