Handyman insurance

What insurance do I need as a handyman?

• Public liability insurance

  Public liability insurance is essential for many handymen. It protects you against claims made by members of the public who have their property damaged or are injured as a result of the actions of your business. We offer this type of handyman liability insurance with limits ranging from £1 million to £5 million.
   
  Example of a claim:
   
  A member of the public trips over your toolbox, suffering a fractured ankle. They make a compensation claim for their injuries.

• Employers’ liability insurance

  If you have workers, including part-time or casual labourers, you’re required by law to have employers’ liability insurance of at least £5 million. This protects you if an employee becomes ill or is injured because of the work they do for you. Our policies provide cover of up to £10 million.
   
  Example of a claim:
   
  A part-time labourer strains their back while carrying heavy tools. They take legal action against
  you in a bid to get compensation for their suffering, and for lost earnings.

• Tools insurance

  Tools insurance covers the cost of replacing or repairing your tools if they are lost, stolen or damaged. Choose from cover limits ranging from £1,000 to £5,000.

  Example of a claim:

  The premises where you store your tools are broken into and a number of expensive pieces of equipment are stolen, leaving you facing the cost of replacement.

• Legal expenses insurance

  Tradesmen legal expenses insurance covers the cost of defending or pursuing legal actions against other parties such as suppliers, clients or employees.

  Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

• Occupational personal accident insurance

  Occupational personal accident insurance supports your income if you can’t work because of an injury you have suffered at work or on your way to or from work. It provides either weekly payments or a lump sum, depending on the nature of your injury.

• Owned plant insurance

  Owned plant insurance cover the costs of repairing or replacing your own plant machinery, for example cement mixers, generators or trailers, if it's damaged or stolen. Cover limits are available from £10,000 to £50,000.

• Hired in plant insurance

  Hired in plant insurance cover the costs of repairing or replacing plant machinery, such as forklifts, cherry pickers and concrete mixers, that you've hired from a third party, if they are damaged or stolen. Cover limits are available from £10,000 to £50,000.

• Contract works insurance

  Contract works insurance covers the work you and your employees are completing on a construction site. If your work is affected by a flood or fire, or by theft or malicious damage, contract works insurance can cover the costs of repairing or redoing the work.

• Goods in transit insurance

  Goods in transit insurance covers you financially against the loss or damage of goods while in transit from one location to another. This can be either goods transported in your own vehicle, or on your behalf by a third-party carrier.

• Professional indemnity insurance

  Professional indemnity insurance is there to protect you if a client makes a claim against you because of a mistake you have made when providing a professional service for a fee, such as offering designs or advice for a home improvement project.