Handyman insurance
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent on Trustpilot
- Save 10% with B&Q TradePoint
- Expert UK telephone support
- Fast online quote experience
Quote note: When you start your quote, select property maintenance as your trade. We don’t list handyman as a separate trade option, but this is the right category for handyman insurance.
No two handyman jobs are the same. From general maintenance and repairs to property improvement work, handyman insurance from Trade Direct Insurance gives you cover options built around the jobs you take on.
On this page
Handyman insurance explained
Handymen often work across a mix of properties and jobs. You might be helping a homeowner with repairs, carrying out maintenance work for a landlord or completing small projects for a business customer.
Because the work can change from one job to the next, having the right cover options in place can help protect your business against unforeseen costs if something goes wrong.
Here’s some of what can be included:
Public liability insurance
Handyman public liability insurance can protect your business if a customer or member of the public claims they suffered an injury or property damage because of your work.
Examples might include:
-
A customer being injured due to you carrying out work
-
Accidental damage to a customer's property
-
An incident involving your tools or equipment
-
A claim linked to work carried out at a customer's premises
We offer public liability insurance for handymen with cover up to £5 million across our packages.
Employers’ liability insurance
If you employ staff, employers' liability insurance may be required by law in certain circumstances.
This cover is separate from public liability insurance and can protect your business if an employee suffers a work-related injury or illness and your business is found legally liable.
We offer employers' liability insurance up to £10 million across our handyman insurance packages.
Professional indemnity insurance
Some handymen provide advice, recommendations or specifications as part of their work.
Professional indemnity insurance can provide protection if a customer alleges those professional services caused them financial loss.
We include professional indemnity insurance within our Classic and Plus policies, with cover available up to £100,000.
Tools cover
Handymen often rely on a range of tools to complete odd jobs.
Our tools cover can provide protection for insured tools and equipment up to £15,000, subject to the policy terms and conditions.
Cover can apply to handheld powered and non-powered portable tools, as well as laptops and tablets used for business purposes.
Temporary total disablement benefit
If an insured person is unable to work following a covered injury, our Plus policy includes temporary total disablement benefit, which can provide a weekly income of up to £600, subject to the policy terms and conditions.
Handymen take on all sorts of jobs, often working directly in customers' homes, rental properties and commercial premises.
You could be moving equipment around a customer's property, working alongside other contractors or completing maintenance tasks in busy areas. Even straightforward jobs can come with unexpected risks.
Handyman insurance can help protect your business against unforeseen costs if an insured event results in a claim. Depending on the cover you select, you can also include protection for employees, professional services and your tools.
Whether you're a self-employed handyman working alone or run a small handyman business with employees, we offer cover options designed around the way you work.
1. A customer claims their property was damaged
Working in someone else's home means you're often surrounded by valuable items, fixtures and fittings.
If your work accidentally damages third-party property, public liability insurance may provide protection against claims for property damage.
2. Someone is injured while you're working
Customers or visitors may be nearby while you carry out repairs or maintenance work.
If someone suffers an injury because of your work, public liability insurance may provide protection against claims involving third-party injury.
3. Your tools are stolen
As a handyman, you’ll often be carrying tools between different jobs.
If insured tools or equipment are stolen from a locked vehicle, tools cover may provide protection, subject to the policy terms and conditions.
5. A customer alleges financial loss
A customer may claim that advice, recommendations or specifications provided by your business caused them financial loss.
Professional indemnity insurance may provide protection for claims relating to professional advice or services, subject to the policy terms and conditions.
What handyman insurance can and can’t cover
Every handyman business is different. Understanding what your policy includes can help you choose the cover that fits the work you carry out.
What can be covered
✔ Public liability insurance up to £5 million
✔ Injury to third parties arising from your work
✔ Damage to third-party property
✔ Legal defence costs where covered under your policy
✔ Third party financial loss cover up to £100,000
✔ Professional indemnity insurance up to £100,000
✔ Tools cover from £1,000 up to £15,000
✔ Employers' liability insurance up to £10 million
✔ Temporary total disablement benefit providing up to £600 per week if an insured person is unable to work due to a covered injury.
✔ Capital death benefit
✔ Optional extras including contract works, owned plant, hired-in plant, stock in transit cover and jury service
What can’t be covered
✘ Deliberate damage
✘ Wear and tear to tools and equipment
✘ Mechanical breakdown of equipment
✘ Work carried out before your chosen policy start date
✘ Activities not declared within your policy
✘ Items or equipment not covered by your policy
✘ Any exclusions outlined within your policy wording
Who is handyman insurance for?
Handyman insurance is built for people who take on a variety of repair, maintenance and odd-job work.
This can include:
-
Self-employed handymen
-
Property maintenance workers
-
Home maintenance specialists
-
Rental property maintenance workers
-
Sole traders
-
Partnerships
-
Limited companies
-
Limited liability partnerships
-
Handyman businesses with employees
Our cover is available for businesses with up to 15 employees and an annual turnover of up to £3 million.
Whether you work alone or run a small handyman business with a team, you can choose from cover options that suit the way you operate.
Your handyman insurance cover options
From one-off repair jobs to regular maintenance contracts, we offer cover options for handymen and handyman businesses with up to 15 employees.
Essentials
Our Essentials package offers straightforward cover for your business. It includes public liability insurance and third party financial loss cover.
- Public liability insurance up to £5 million
- Third party financial loss cover up £100,000
- Employers' liability insurance up to £10 million can be added to your package
Classic
Our Classic package builds on Essentials, adding professional indemnity cover, capital death benefit and tools cover.
- Public liability insurance up to £5 million
- Professional indemnity cover of £100,000
- Third party financial loss cover of £100,000
- Capital death benefit
- £1,000 of tools cover, which can be increased up to £15,000
- Employers' liability insurance up to £10 million can be added to your package
Plus
Our Plus package builds on Classic by adding temporary total disablement benefit. It offers our widest level of cover.
- Public liability insurance up to £5 million
- Professional indemnity cover of £100,000
- Third party financial loss cover of £100,000
- Capital death benefit
- £1,000 of tools cover, which can be increased up to £15,000
- Temporary total disablement benefits up to £600 a week per person
- Employers' liability insurance up to £10 million can be added to your package
Optional Extras
Looking for additional cover? You can add the following to your policy:
- Contract works
- Owned plant
- Hired-in-plant
- Stock in transit
- Jury service cover
Fixed price, fixed peace of mind
Lock in your insurance price for two full years with Trade Direct Insurance’s Price Freeze on Classic and Plus policies.
Whatever your trade, work can be unpredictable. Your insurance price doesn’t have to be.
How much handyman insurance do you need?
The right level of cover depends on the type of work you carry out and how your handyman business operates.
Factors that may affect your insurance requirements include:
-
Whether you work alone or employ staff
-
The type of jobs you take on
-
The value of your tools and equipment
-
Where you carry out your work
-
Any contractual insurance requirements
-
Optional covers selected
The cost of your handyman insurance will depend on your business, your activities and the level of cover you choose.
Getting handyman insurance is simple.
-
Tell us about your business and the type of work you carry out.
-
Choose the level of cover that suits you best.
-
Review your quote and complete your purchase online.
Your cover begins from the date you select when taking out your policy.
Note: When getting a quote, select property maintenance as your trade. We don't list "handyman" as a separate trade option, but property maintenance is the right category for handyman work.
This helps us understand the type of work you carry out and show you the most relevant cover options.
Van Insurance
Many handymen use their van to transport tools and equipment between jobs.
We offer comprehensive, third party fire and theft and third party only cover options.
Tools insurance
Your tools are your livelihood as a handyman.
Our tools insurance can provide cover for insured tools and equipment up to £15,000, subject to policy terms and conditions.
Property maintenance insurance
Handyman work often falls under property maintenance, from general repairs and upkeep to a range of odd jobs for customers.
Our property maintenance insurance is designed for businesses carrying out this type of work.
Get your handyman insurance quote today
From everyday repairs and maintenance jobs to wider property work, we offer handyman insurance designed around the way you work.
Whether you're a self-employed handyman or run a small handyman business with employees, you can choose from cover options to suit your needs.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Public liability insurance up to £5 million
✔ Employers' liability insurance up to £10 million available
✔ Tools cover up to £15,000
✔ Temporary total disablement benefit up to £600 per week
✔ Third Party Financial Loss cover included
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Fast online quote experience
✔ Cover for over 70 recognised trades
Looking for handyman insurance? When you start your quote, choose property maintenance as your trade to find the right cover options for your business.