Handyman Insurance

We provide liability and business covers for a variety of trades so you can build your insurance around your specific needs. 

  • Cover for accidental personal injury to third parties or damage to their property while running your business.
  • Set your own limits of public, products liability from £1m to 10m (higher available). 
  • UK-based support

Call us on 03330 605 169 or get a quote online.

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Why choose handyman insurance with Towergate?

People

Cover multiple trades in one policy

We can include cover for up to five different trades in one policy – e.g plumbing, carpentry, bricklaying, kitchen installation and carpentry.

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Tailored handyman insurance

Optional extras include business premises cover, accidental damage and tools cover.

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Dedicated claims service

Experts claim handlers to give you peace of mind.

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Pay for your handyman insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments. See our dedicated Direct Debit page to find out more.

About handyman insurance

Building

Handyman liability insurance

Whether you’re putting up a shelf or refurbishing a whole house we can provide contractors public liability a cover, with limits up to £10 million available. As your business grows you may take on staff too – if so we can arrange employers’ liability insurance covering both temporary, permanent and sub-contracted employees up to £10 million, meeting your legal responsibilities.

Trade

Tools insurance for handymen

With a flexible tools’ cover limit set by you, we can cover most tools of the trade from electrical power tools, right down to a spirit level and brushes. Your tool insurance policy can also include employee’s tools specialist and hired in equipment. Tools must be locked securely outside business hours, and a single item limit may apply.

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Specialised insurance for your trades

Depending on your trades we can provide cover for more than one trade. If you also undertake electrical work and hold the relevant certificates and accreditation, this can be included in your policy. Just let us know.

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Same-day handyman cover

Need papers quick to get you on site, or to tender for a contract? Getting the right insurance doesn’t need to be difficult or time consuming. We can provide insurance then and there over the phone, email policy documents on the same day and pop them in the post within 24 hours.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Handyman insurance FAQs

Handymen face many risks in their line of work. Unfortunately, no matter how well prepared you are, accidents can happen – and a single slip could be disastrous for you and your business. Legal action, in respect of liability for accidental personal injury or property damage arising from your activities is a real threat. Protect yourself, your clients, your equipment, and your business, with a flexible insurance policy specifically tailored to exactly match your requirements.

Cover for tools should be arranged on a new for old replacement value so that if your tools are lost, damaged or stolen, they will be replaced with brand new products of equivalent value. Single article limits will apply and cover for tools left in vans overnight will be excluded.

Yes, we can cover labour only sub-contractors, as well as PAYE staff for the same risks under your Employers’ Liability insurance cover. it is very important to declare how your workforce are employed as this will affect how your risks are calculated.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

You will need employers’ liability insurance by law if you employ anyone.

Read more FAQs

Handman insurance articles and guides

Securing Your Van and Tools - Keeping on Top of Van Security

Whether you work for a small business or you’re a sole trader, we know that keeping your van and its contents safe from criminals is a year-round concern.

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Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

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Making Tax Digital for Businesses

Making Tax Digital (MTD) will affect all businesses and is a key element of the government’s plans to make it easier for businesses and individuals.

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Covering Contractors Under Employers' Liability Insurance

As an employer you will need employers’ liability insurance. Read how to ensure your policy covers all workers that require it.

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