About Handyman Insurance


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.


Tailored handyman insurance

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


Dedicated claims service

Experts claim handlers to give you peace of mind.

Direct Debit

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.

Features of Handyman Insurance

Standard cover

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.

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.

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.

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.

Handyman Insurance FAQs


Why does a handyman need public liability insurance?


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.


Should I need to make a claim, how are my tools replaced?


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.


Are labour-only sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?


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.


Can I pay for my handyman insurance in instalments?


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.


Are there any exclusions?


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.

How do I make a claim?

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

Relaxed Person Making Claim