Handyman Insurance

Q: Why choose Premierline to arrange handyman insurance?

We have many years of experience arranging carpenters and joiners insurance so we’ve really got to know the covers that carpentry businesses like yours need. We are here to make sure that you have the essential covers to protect you against the risks you face on a daily basis. You can protect your business online in just a few minutes if you know what covers you need, or if you require advice call us to get a carpenters and joiners insurance quote today.

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As a handyman or tradesperson you will be tasked with completing a whole host of jobs, whether it’s hanging a door, fixing a leak, painting a wall or a spot of gardening. With so many skills under your belt, you need handyman insurance to protect the wide range of activities that you undertake on a daily basis, just in case something goes wrong.

Whether you’re working full-time or a couple of days a week, protecting against the unexpected is essential. The right insurance can give you peace of mind to focus on the job at hand. But finding the time to compare quotes and find the right cover can be challenging.

That’s why we work closely with some of the UK’s leading insurers to help you find the right handyman insurance to meet your needs. We understand that being self-employed can leave little time for much else, which is why we’ve made arranging your insurance simple and hassle-free.

If you know what covers you need you can compare covers and prices from a range of trusted insurers online in a matter of minutes. Alternatively, our knowledgeable advisors are on hand to make professional insurance recommendations over the phone that are tailored to you. We’re here to save you time and money to make arranging your handyman insurance as easy as possible.

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If you know the covers you require, it's quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.

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Handyman insurance cover in detail

What is handyman insurance?

Handyman insurance can incorporate a number of covers that can each be tailored to your individual requirements. Whether you’re working full time or just a couple of days a week having the right insurance in place can protect you against a number of events that could leave you financially exposed. As careful as you may be, accidents happen when you least expect – can you afford not to have insurance?

Handyman insurance is made to cover the work that tradespeople carry out each day. You may be working alone, or hire people to help out; so whatever your needs, we can arrange the right handyman insurance cover for you.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

One of the main elements of insurance for all handymen is public liability insurance. This cover should be the foundation of your handyman insurance as it helps protect customers, suppliers and any other third parties against accidental injury or damage to property that is caused by your business activities. For example, if you accidentally drilled through a pipe or knocked over a pot of paint, the cost of rectifying the damage could be expensive. Public liability insurance can cover the cost of repairs as well as any associated medical costs and legal expenses.

Employers' liability cover

As a handyman, you may work alone or employ someone to help. If this is the case you will need to think about including employers’ liability insurance to fulfil your legal obligation and cover any compensation awarded if they had an accident at work. Working in a variety of trades carries many risks, and even if you only have an apprentice one day a week you will need to protect your business against this exposure.

Personal accident cover

Being self-employed has many benefits, but also means that you are solely responsible for your own income. Many self-employed contractors choose to include personal accident cover in their insurance to protect their income in case of an accident at work. If you were unable to trade due to an injury this cover can provide a weekly income to tide you over until you get back on your feet. Some accidents could render you unfit to work for weeks or even months; this cover could be the financial float that keeps you above water whilst you recover.

Tool cover for handymen

A handyman’s tools are pivotal to their daily activities and while you may only use a few hand or power tools, if something happened to them you may have to turn work away. Most insurers will offer varying levels of tool cover to protect against theft, accidental damage and much more.

Commercial vehicle insurance

A commercial vehicle or van could be a crucial part of your business; whether it’s for deliveries, tools, or even just getting to and from your customers on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for handymen.

Commercial legal protection

Commercial legal expenses can also be included within your gardener’s insurance policy to protect against tax and VAT disputes, damage to premises, personal injury and jury service allowance.

Handyman insurance FAQs

Do I need handyman insurance?

Protecting the people around you is essential and demonstrates care and inspires confidence amongst your customers. But there are other aspects of your business that are critical to your ability to work that you will need to consider protecting. Would you be able to continue to work if something happened to your tools? How would you cope financially if you had an accident at work?

Handyman insurance can be tailored to your needs and covers can be typically combined into one easy-to-buy policy incorporating all the covers that are relevant to you. Our expert advisors are on hand to provide help and recommendations that are tailored to you, or if you know the cover you need you can purchase your handyman insurance online in a matter of minutes.

What covers do handymen need?

At Premierline, we offer handyman insurance that can be as simple or comprehensive as you require depending on your business needs. When thinking about what insurance and covers you need to protect your business, you should consider the following:

Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
Employers' liability – to protect your employees against accidents at work and any damages awarded as a result.
Personal accident cover - to tide you over in the event that you injured yourself at work.
Tools & plant - to protect your tools, equipment, and plant.
Buildings cover – to cover for loss or damage to your business premises.
Contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Contract works - designed to cover work that’s underway on a construction site.
Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
Commercial vehicle cover - if you use a vehicle or a van for business.

More information

How much does handyman insurance cost?

The cost of handyman insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a tailored quote online or contact one of our business insurance specialists to find out how much your handyman insurance might cost to protect yourself and your business from unforeseen circumstances.

Why choose Premierline to arrange handyman insurance?

We have many years of experience arranging handyman insurance so we’ve really got to know the covers that different types of contractors require. We are here to make sure that you have the best covers to protect you against the risks you face on a daily basis.

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a handyman insurance quote today.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Contractor Insurance Experts

We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“A very competitive price. Painless renewal on my public liability insurance. Would recommend Premierline for all business insurance needs.”

Contractor Business owner

Customer since October 2021

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

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Speak to a handyman insurance expert

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a handyman insurance quote today.