Insurance for handymen
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?
Covers for Handymen
Handyman public liability insurance
One of the main elements of insurance for all tradesmen 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.
Handyman employers' liability insurance
As a handyman, you may work alone or employ someone to help. If this is the case you will need to include 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.
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 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.
Handyman tool cover
A tradesman’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.
Comprehensive handyman insurance
All of these covers can be tailored to your needs and 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.