Handyman Insurance

Handyman’s insurance protects you against any financial loss from accidents or injuries. It can also protect you against claims made for damage caused by professional mistakes. You can also add on cover for your own tools and equipment.

You can be covered against all the risks you face, such as personal injury or injury to someone who works for you. Also, insurance can protect against any damage to machinery or property if you’re working on a client’s site.

Think about the value of items you want to protect, such as your tools. Also, consider how much money you might lose if you’re forced off work for any reason.

There are many things you can do which may reduce your premiums. Shopping around always helps. Different providers have different pricing, cover different things, and will offer different incentives. Spending time tailoring your policy not only means you’re covered for everything, but it also saves money. With Brisco Business, you can compare quotes from leading insurers and choose a policy that’s right for you.

As a handyman, there are several types of insurance that you may need to consider:

• Public Liability Insurance: This type of insurance is crucial for a handyman as it protects you against any financial loss from accidents or injuries that occur to the public due to your work. For instance, if a member of the public tripped over your tool bag or if you accidentally caused damage to a client’s property, handyman liability insurance would cover the compensation payments.
• Professional Indemnity Insurance: This insurance protects you against claims made for damage caused by professional mistakes. If you were to make an error in your work that resulted in damage, professional indemnity insurance for handymen would cover the costs.
• Employers Liability Insurance: If you employ other people, employers liability insurance is a legal requirement in many places. It covers you for any injuries that your employees might sustain while working for you.
• Tool Insurance: As a handyman, your tools are likely one of your most valuable assets. Handyman tools insurance can cover the cost of replacing your tools if they are stolen or damaged.
• Personal Accident Insurance: This type of insurance can cover you if you’re forced off work due to an injury or illness. It can provide a weekly payment or a lump sum, depending on the policy and the nature of your incapacity.
• Goods in Transit Insurance: If you transport materials or tools between different work sites, goods in transit insurance can cover them against loss, theft, or damage while they are in transit.

Consider your unique needs and potential risks when selecting insurance policies. As your business grows and changes, your customer requirements will also evolve. Our specialist team is available for consultation, helping you find the most suitable coverage.

Depending on the size and scope of your handyman business, insurance may be required. It protects against financial losses from accidents, injuries, or professional errors. Coverage can also include your tools and equipment. It safeguards against personal or employee injuries and damage to machinery or property at a client’s site. In essence, handyman insurance is a crucial part of your business, providing a safety net against potential risks and financial setbacks.

The cost of handyman insurance can vary depending on several factors. These factors include the value of the tools you want to protect, the potential financial loss if you’re unable to work, and the specific risks you face in your line of work, such as personal injury or damage to property or machinery on a client’s site. It’s recommended to get quotes from multiple insurers and carefully consider what aspects of coverage are most important to you. Should you require any assistance or guidance in choosing the most suitable insurance for a handyman, our team of insurance experts is readily available to assist you.