Customisable cover for handymen and property maintenance professionals. Choose from public liability, tools cover, personal accident cover, contract works and more.
Why does a handyman need business insurance?
You're probably well aware of the variety of risks that come with being a general handyman, given that your maintenance tasks will likely vary day-by-day.
Business insurance for handymen makes sure you're covered for these risks, including accidental injury to your clients or members of the public, mistakes in your work and the cost of damage.
With handyman insurance, you can protect yourself, your business, your tools and your employees (if you have any) for when the unexpected happens.
10% of property maintenance professionals paid £8.74 a month or less for their Superscript business insurance between July and September 2022.
At Superscript, our business insurance for handymen can include:
- Public liability insurance limits up to £5 million
- Up to £10k cover for tools and equipment (max. £1,000 per item)
- Contract works cover up to £500,000
- Up to £10,000 of personal accident cover
- Cyber cover to protect you in the event of a hack or customer data breach
Get covered in less than 10 minutes
Instant access to your insurance documents. No fees to change or cancel your cover.
What insurance do handymen need?
Start with public liability insurance (and get just that), or customise your policy to cover additional risks.
Public liability insurance
Public liability insurance is considered essential for any sole trader or business whose work involves contact with members of the public. It's designed to cover claims made against you for injury or property damage as a direct result of your work.
Our public liability insurance for handymen gives you the option of picking £1 million, £2 million or £5 million cover to suit your business and the way you work.
Tools and equipment insurance
A misplaced screwdriver is one thing, but damaged, lost or stolen specialist equipment is expensive and can be difficult to replace. And tool theft is no joke - it’s one of the biggest concerns for tradespeople in the UK.
Tools and equipment cover is an optional extra with us, but if you did add it to your policy you'd be protected for:
- Portable tools and equipment (maximum value of £1,000 per item), up to £10,000 cover
- Construction plant and machinery owned by you, up to £25,000 cover
- Hired-in plant insurance, up to £50,000 cover
We'd recommend that when you're not using your equipment to lock it up securely to minimise the risks. And if you're often on the road, we can also offer cover to protect your tools while they're in a vehicle overnight.
Personal accident cover
Unfortunately, accidents happen. Personal accident cover is a popular choice for handymen, as it pays a benefit if you or someone working for you suffers an accident resulting in loss of sight, hearing, speech, a limb, death or permanently disabled and unable to work.
This type of cover is perfect for those who do project-based contract work. It insures you for things beyond your control, like fire, theft, water damage and wind damage - and accidental mishaps that can delay the completion of a job. We offer this insurance as an optional extra, with limits of up to £500,000.
You may not think that cyber insurance would be relevant to your work as a handyman, maintaining and refurbishing properties. However, anyone who stores customer data, from personal details to card payment details, can benefit from the protection offered by cyber insurance, including cover for:
- Hacking, extortion and ransomware
- Accidental privacy breaches
- Lost income and restoring data
- Business interruption
Just need to insure your tools and equipment?
At Superscript, we offer special cover for just the tools and equipment of your trade. You won't be tied into taking out any other covers in your policy so you only pay for what you need.
As a handyman, you can get simple, flexible cover for vital tools and items of business equipment such as:
- Power drill and drill bits
- Electric sander
- Paint sprayer
- Stud finder
- Power washer
- Work bench
- Laptop and phone
Read more about our tools-only cover here.
Handyman claims examples
Business insurance claims are different for every handyman out there working in property maintenance, but here are a few examples of potential claims in this field.
While you are applying a layer of paint to the walls of a client's property, you knock over the pot and spill paint over your their velvet sofa, permanently staining it. Your public liability insurance would cover the cost of replacing the sofa in the event of a claim.
While completing some refurbishment work on the exterior of a property, you turn around for a few minutes to find that an expensive power tool has been stolen. Your tools insurance would cover the cost of replacing it, meaning you wouldn't be left out of pocket.
When returning home from a job, you are unlucky enough to be involved in a car accident and end up losing a leg. Your personal accident cover can pay out a lump sum benefit of up to £10,000 if the injury leaves you permanently unable to to work.
How do insurance claims work?
The below is a good guide of the process and timescales you can expect when you need to make a claim under your policy.
If you’re ever unsure whether you can or should claim it’s best to get in touch and we can let you know.
Notify us of the claim
Contact us by email at firstname.lastname@example.org, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.
Ideally this should be done as soon as possible and within 30-days of you becoming aware of anything which you think may be covered by your insurance.
A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.
We'll get on the case
We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your Superscript claims reference and contact information should you need to speak to us.
We will then reach out to you within 48 hours to request any extra information we need to progress your claim.
We’ll keep you updated on the next steps as the claim progresses.
A decision is made
We’ll let you know if your claim is successful or not. At Superscript, if your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.
If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within 5 working days.
Handyman insurance FAQs
In short, yes. We understand that, as a handyman, you may work across several different trades at the same time so we can cover multiple trades under one policy.
If, for example, you're main activity is property maintenance but you also carrying out building work, we may be able to cover this too. You'll be able to add multiple business activities to your quote as part of our quotation process.
Our cover gives you the freedom to work temporarily (up to 180 days) anywhere within the European Union, knowing you’re covered as per usual.
Our standard cover does not include this. It specifically excludes theft of tools and equipment from any vehicle left unattended between the hours of 9pm and 6am. However, we do offer the option to insure your tools stored securely in your van overnight, if the vehicle is parked in a locked compound, at an additional cost.
This only applies if you run a business that employs staff, so many sole trader handymen will be exempt from needing employers' liability insurance. However, if you have employers' liability insurance with us, you will need to let us know each time you get a new permanent employee. For temporary workers, however, we’ll automatically cover you for up to 50 days in any one period of insurance.
The cost of your cover will vary depending on the work you carry out. Jobs that could more easily cause harm to the public, or tools of high value, present more risk and a bigger payout in the event of a claim. This typically means the cost of your insurance will be higher than it would be to cover a lower work, or less valuable equipment.
This will vary depending on the nature of your claim. For example, the excess on a public liability claim, or a tools claim, would be £250, while the excess on a hired-in plant claim would be £500. This is because plant tend to be more expensive to replace.
The only cover that is a legal requirement is employers' liability insurance, and this applies to most businesses with employees, but is not required for sole traders. However, you may want to consider insurance for other reasons, such as: your trade association may require it; your clients may require it; you may decide that the risk of a claim against you - or tools theft - is too high a price to pay, not to insure.
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