Handyman Insurance

If you’re wondering about handyman insurance, this section has some of the answers you’re looking for ¬– the kind of handyman cover you need, where you can get it, and the level of cover you should be looking at:

Why do handymen need insurance?
What type of insurance do handymen need and what level of cover?
Why compare handyman insurance with Coverzones?

Why do handymen need insurance?

It doesn’t matter whether you’re a sole trader or run a large company, as a handyman, insurance should be built into your business to protect you against the risks of the job. You may be doing work that can have a big impact on your client’s businesses or homes should anything go wrong – it’s essential to be protected against possible mistakes. Indeed, some potential employers will not use your services unless you are insured. And if you employ people, you have to have Employers Liability Insurance by law.

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What type of insurance do handymen need and what level of cover?

Handyman insurance includes several types of cover; each one offers a specific kind of protection for your business:

• Professional Indemnity Insurance for handyman work: This covers you against any mistakes you might make – including bad advice you or your staff might give – that ends up costing your clients money, and leading them to take legal action against you. The amount of cover you need depends on the type of work you do and the clients you work for; but if you belong to a professional body, they may suggest a minimum level of cover.

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• Public Liability Insurance for handyman work: This type of insurance would cover you if your business activities caused injury or death to a member of the public. The fact that you come into contact with clients in their premises and homes makes this type of cover a responsible choice. A client tripping over one of your tools and injuring themselves could close your business down, without this kind of insurance. A minimum of £1m cover is usually appropriate for a small business.

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• Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed whilst doing work for you. If you have employees or helpers, whether full or part time, you must by law have at least £5m cover.

• Get quotes for Employers Liability Insurance for handymen now.

• Tradesman Insurance for handymen: This is a package of several different kinds of cover for handymen, making up one policy that meets all your insurance needs. As well as cover for public and employer’s liability, it could cover you for theft or damage to your tools, for personal accident cover or for faulty materials. You choose the cover that’s relevant to your own business situation.

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Why compare handyman insurance with Coverzones?

Coverzones was set up to make it easier for you to compare quotes from a range of business insurance providers. You enter your details just the once, and we search a panel of insurers, and then offer you the best deals to choose from. It only takes a few minutes. And it can help you save money on your handyman insurance without compromising on the level of cover you need.
With Coverzones you also get a free online account where you can store your insurance policy details. So when it comes time to amend, renew or cancel a policy, it’s a quick and easy to access your details whenever you want.

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