What kind of insurance does a handyman need?
Working as a general handyman, it’s likely that you can offer your customers a number of different services and trades. Whether its painting, decorating, gardening, plumbing or some electrical work, you do what you need to for your customers.
A standard tradesman insurance policy typically covers the policy holder for a specific trade. Being a handyman, you must ensure that you have cover for all of the work you undertake, or risk invalidating your insurance policy altogether.
The right policy for you will consider and recognise the activities you offer and provide you with the insurance protection you need – speak to a broker to get your insurance arrangements correct.
At BJP Insurance, we have a lot of experience arranging cover for tradesmen, and we can provide you with a policy that protects you for whatever type of work you’re doing.
General liability insurance for handyman
Liability insurance for a handyman can be arranged for a range of situations. It’s not a legal requirement (unless you have employees) but getting the right handyman liability covers in place is important and could protect you from significant costs should something go wrong while you’re working.
Handyman Public Liability Insurance
Public liability is an important insurance for all tradesmen. It might also be that your customers expect to see evidence that you have it in place before letting you work for them. It provides legal defence plus third-party compensation where a member of the public claims that they have sustained an injury or property damage as a result of your work, and where you are legally negligent.
Handyman van insurance
It’s likely that you have a van or similar to take all your equipment out to customers. Like any vehicle, it needs insuring to be on the road, but because you are using it for business purposes, you will need to take out specialist commercial vehicle insurance. We can arrange that, and even protect your tools in the vehicle, even overnight in specific circumstances.
How much is insurance for a handyman business?
The cost of an insurance policy for a handyman will vary depending on the breadth of cover that you need, as well as the indemnity limits (the maximum amount a policy will pay out in the event of a valid claim). A self-employed sole trader is obviously going to pay less than someone managing a Limited Company with premises, staff and high value machinery and tools.
To get a handyman insurance quote for your business, why not give us a call today? Our team will be able to take your details and understand your business, before getting quotes for you from a range of leading insurers.