What is handyman insurance?
When you’re a handyman, you know that a one-size-fits-all policy just isn’t for you. Your business comes complete with its own unique set of risks and priorities, and it can be difficult to find a policy that covers everything you need it to. This is where handyman insurance comes in. Our package offers all the financial protection you need if a customer or member of the public decides to take legal action against you.
Why do you need handyman insurance?
Working on a client’s property can be a risky business. You could damage their home or cause a serious injury with just one mistake. For example, you may drill through a water pipe when putting up a shelf, causing major water damage in a customer’s home. The customer will be within their rights to demand compensation and that’s where insurance is vital. At Tradesman Saver, we understand that your insurance needs to work for you. We’ve wrapped up everything you could possibly need in one policy, with all the bells and whistles attached, so you can build the right cover to suit you with our simple online quote form. It couldn’t be easier.
Tradesman Saver’s Public Liability Cover For Handymen
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your handyman business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a handyman business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a handyman and you can get your quote online in minutes.
Online & Anywhere
We like to keep things simple. Your quote, purchase & documents are all available online, anytime.
No need to wait for your documents. You’re covered from the moment you purchase.
Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.
Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.
Handyman Insurance: Frequently Asked Questions
Why do you need handyman public liability 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.
What other insurance is available for a handyman?
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 so 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.
Why do you need tool insurance as a handyman?
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 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.
How much is Handyman Insurance in the UK?
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.