Insurance for handymen

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Tailored insurance, built for handymen

Whatever job you’re on, your business is unique, with its own risks, priorities and quirks. You need insurance that reflects this, and with Simply Business you can build a policy around your business type. Whether you have separate premises or are based at home, and whether you employ people or work on your own, we’ll help you find quality cover in minutes, taking the hassle out of business insurance.

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What insurance do handymen need?

Public liability insurance is often a very important cover for handymen and most other trades, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Other covers available to handymen include tool insurance, plant and machinery insurance and business equipment insurance.

Handyman insurance policy details

  • Make sure you read your policy documents carefully in order to understand any exclusions
  • Be careful not to underestimate the replacement value of your equipment, if arranging tools cover
  • If you employ people, even in your own home, you are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines
  • Ask your clients what level of public liability cover they expect, and buy accordingly

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

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4.65 /5

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

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Customer testimonials

“Been a customer for several years now for public liability insurance. A pleasure to do business with.”

Jason Cooper, Tradesman

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We value the reviews and ratings we receive from our customers, whether they’re good or bad. We use this feedback to continuously improve how we work with (and for) our customers.

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