Handyman Insurance

We can help insurance a range of trades, including:

• General handyman services
• Carpentry
• Plumbing
• Painting and decorating
• Electrical repairs
• Garden maintenance

If your trade involves providing skilled manual work, but is not on the list, it’s likely we can help insure you.

• A client claims your repair caused damage - Mistakes happen. If a repair accidentally causes damage to a client’s property or the building adjacent, you could face costly compensation claims. Public liability insurance can help cover these scenarios.
• You accidentally injure yourself on the job - Your work often involves ladders, tools, and heavy lifting. Personal accident insurance helps cover you for loss of income if you’re injured and unable to work.
• A fire or flood disrupts your work - If your tools or equipment are damaged in a disaster, tool insurance helps you replace them quickly so you can get back to work without delay.

While handyman insurance is flexible, certain high-risk trades may require more specialized coverage like structural roofing, for example. That’s why you must tell your broker about the nature of your work, so you don’t risk being incorrectly insured.

It’s difficult to give a solid figure for an annual insurance package for handymen, as it depends on the nature of your work. Costs depend on a number of factors including: 

• Extent of cover - The more coverage you choose, the more expensive your package is likely to be. 
• The nature of your work - The more risks you face day to day will play a part in how expensive your premiums are. For example, working from heights is riskier than sitting at a desk. 
• Location  – Where you work is taken into consideration when working out the price of your premiums. 
• Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.

Legally, employer’s liability insurance is required if you employ staff. Public liability insurance, while not a legal requirement, should be a consideration. Without it, you could face unexpected expenses due to claims from clients, suppliers and the public.

Handyman insurance isn’t just about what’s legally needed, it’s about protecting the business you’ve worked hard to build. Accidents and mistakes can happen, but with the right cover, you won’t have to face the financial fallout alone. 

It's worth noting some clients may insist you have public liability insurance before working with you, so it’s key for securing new trade. 

At Bionic, we champion UK business owners and want to help in every way we can. That’s why we work with a panel of trusted insurers to provide insurance options for UK small to medium size businesses. 

We focus on getting you the right cover, whatever your business story. Get in touch with us today by starting carrying out a business insurance comparison today.