Handymen Insurance

Flexible Business Insurance for Handymen

Handymen often manage a wide range of maintenance, repair, and improvement tasks, regularly working in customer homes, commercial premises, and construction sites. Handyman insurance can offer tailored protection against common risks such as public liability claims, accidental damage, and theft of essential tools.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Handyman Insurance?

Access to a wide panel of trusted UK insurers
Tailored cover based on your food service activities
Flexible cover options tailored to your trade
Support from experienced brokers who understand the needs of handymen
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What Is Handyman Insurance?

Handyman insurance is a specialist business insurance package designed to help protect self-employed handymen, maintenance workers, and multi-trade professionals from risks associated with their work. It can help cover public liability claims, tool theft, personal accidents, and potential business interruptions.

Who May Need Handyman Insurance?

Handyman insurance can suit a wide variety of professionals and businesses, including:

  • Self-employed handymen
  • Mobile maintenance workers
  • Multi-trade professionals
  • Property repair specialists
  • Subcontractors working on residential or commercial projects
  • Handymen providing services to letting agents or landlords

Whether you offer small repairs, complex installations, or multi-site maintenance services, tailored handyman insurance can help protect your trade.

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What Can Handyman Insurance Cover?

1. Public Liability Insurance

Public liability insurance can help protect against claims if a client, supplier, or member of the public is injured or suffers property damage as a result of your work. This is widely recommended for handymen who regularly work in customer premises.

2. Employers’ Liability Insurance

Employers’ liability insurance can be legally required if you employ staff, apprentices, or subcontractors. It can offer cover for employee compensation claims linked to workplace injury or illness.

3. Tools and Equipment Insurance

Tools insurance can offer cover for hand tools, power tools, and specialist equipment against theft, accidental damage, or loss. Cover can often extend to tools stored in vehicles, subject to security conditions.

4. Business Interruption Insurance

Business interruption insurance can offer financial support if your business is temporarily unable to trade due to events like fire, flood, theft, or equipment failure.

5. Personal Accident Cover

Personal accident cover can provide financial support if you suffer an injury that prevents you from working. This can be particularly relevant for self-employed handymen without employee benefits.

FAQs

Public liability insurance is not legally required but is strongly recommended for handymen to help protect against third-party injury or property damage claims.

Yes, tools insurance can include overnight storage in vehicles, but many insurers require specific security measures such as alarms, immobilisers, or secure parking.

Employers’ liability insurance is typically required if you employ staff, apprentices, or subcontractors who work under your supervision.

Yes, many insurers can offer cover that includes working at height, but this should be disclosed when arranging the policy to ensure appropriate cover is provided.

Yes, personal accident insurance is available for self-employed handymen and can offer financial support if you are unable to work due to injury.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Insurance tips and helpful guides for handymen working across a range of trades and domestic jobs.