Our handyman insurance policy is tailored specifically to meet the needs of handymen. Here are some of the key covers we offer:

Public liability insurance

Let’s face it, accidents are unavoidable sometimes, and when they happen on the job, public liability insurance is your safety net. This insurance steps in to protect you against claims of property damage or injury that might occur while you’re working. Imagine this: you’re fixing a cabinet and accidentally knock over a priceless vase, or maybe your client trips over your toolbox and gets injured. Public liability insurance makes sure you’re not left to pick up the pieces, covering you against the legal costs and compensation claims associated with defending a claim.

Tools insurance

Your tools are essential to your trade, and without them, you can’t work. Our policy covers the cost of repairing or replacing your tools and equipment if they are lost, stolen, or damaged. Whether it’s your trusty drill, hammer, or specialised equipment, we’ve got you covered.

Professional indemnity insurance

Sometimes, despite your best efforts, mistakes happen. Professional indemnity insurance protects you from claims of negligence or faulty work. Whether it’s a client alleging that you made a mistake in a service you provided to them, or that your advice led to further damage, professional liability coverage ensures you’re protected.

Employers’ liability insurance

If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your team is taken care of. In the UK this insurance is legal required, so it’s worth looking into this insurance or you could find yourself having to defend a claim out of your own finances.

Legal expenses insurance

If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court courts and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example if a customer refuses to pay you after assembling their furniture, legal expense insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.

Occupational personal accident insurance

Occupational personal accident insurance is a safety net for a handyman, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.