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HANDYMAN INSURANCE

We're here to help with handyman insurance 

From fixing the guttering on a five-storey roof to tending to a light fitting in a domestic property, we know your work is varied and presents different risks to you, your staff or subcontractors, and the general public. You need insurance cover that gives adequate protection against these risks and reassurance for your clients. Because we understand your business and the challenges you face, we arrange handyman insurance that offers protection for:

  • Protection for:
    tools and equipment that you own, as well as those you hire in or loan out
    vehicles used for your work
    property and materials that are lost or damaged whilst on-site
    contamination or pollution caused by your work

  • Bespoke cover – whether you're a sole trader or manage a team of handymen, our handyman insurance is designed around you. You'll only pay for the cover you need.
  • Professional advice and support – throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We'll also support you if you need to make a claim.
  • Saving you time – leave the hard work to us; we'll search our selection of the UK's leading and specialist insurers to find the provider that suits you best.

How our team of handyman insurance experts can help you

At Marsh Commercial, we have over 28,000 contractors who have chosen us to manage their insurance needs. That's almost £130m in gross written premium (GWP); you're in good company. 

At Marsh Commercial, we're part of a global group with a local community focus. Our team of experts have years of experience supporting tradesmen and contractors like you.

You wouldn't think of starting a job without the right equipment. Arranging insurance for your handyman business is no different. It pays to speak to our professionals, and that's why we're here to help you.
 
We take time to understand your unique needs to arrange the handyman insurance that's right for you. So can focus on your business.

What cover can handyman insurance offer?*

We can arrange the following areas of cover, depending on your business needs:

  • public liability
  • employers liability
  • subcontractor liability
  • contract works
  • plant
  • vehicles, including directors' cars
  • stored materials
  • tools in transit
  • groundwork risks
  • environmental clean-up.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

Tradesman insurance

We know the nature of your work can present many risks to you, your staff or subcontractors and the general public. You need cover that gives adequate protection against these risks and reassurance for your clients.

Painter and decorator insurance

From erecting scaffolding on a multi-storey building in preparation for a job to working inside someone's home, we know your work varies from one day to another. It's likely to present risks to you, your employees or subcontractors, and the public, so you need insurance in place that protects against these risks.

Builders insurance

We know the nature of your work carries many risks to you, your staff or subcontractors and the general public. You need cover that gives adequate protection against these risks and reassurance for your clients.

Frequently asked questions

Q
What insurance does a handyman need?
A
Because your work is so varied, you face many different daily risks and challenges. It's important to protect yourself against these risks by having the right insurance in place. 
If your tools are damaged or stolen, you would have to pay to repair or replace them without insurance. This could potentially be a significant cost to your business. Your tools could also pose a hazard to members of the public. As a handyman, you should have handyman public liability insurance in place to protect against risks that may cause injury to the public or your customers. If you employ staff, you're legally required to have employers liability insurance. Professional indemnity insurance will cover any legal costs and damages that you could be liable for should you or your business make a mistake.
Q
Do I need handyman public liability insurance?
A
Accidents happen. Every day, your business is exposed to risks that may cause injury to the public, your customers and anyone visiting your place of work, as well as property damage. You need to protect yourself against third-party claims arising from these situations. Public liability insurance will cover legal defence costs and compensation costs should you face a claim.
Q
Do handymen need professional indemnity insurance?
A
Mistakes happen; no matter how much attention you pay to detail, sometimes projects don't go to plan. As a handyman, you are liable to pay any legal defence costs and any compensation relating to claims of errors in your work. Handyman professional indemnity insurance will protect against these costs if a claim is made against you.
Q
How much does handyman insurance cost
A
The cost of insurance for handymen will depend on the level of cover you need. Get in touch with us to discuss your needs.