Handyman’s Liability Insurance

A handyman is expected to turn their hand to any number of jobs in and around the home, including basic electrical and plumbing work, painting and decorating, installing and repairing fixtures and fittings, and garden maintenance and clearance work. As a ‘jack of all trades’ you could face a wide variety of potential hazards while at work, so it’s essential that you have a handyman’s liability insurance policy in place.

Tradesman liability insurance North London

If you need to carry out any electrical work, the hazards you could face include receiving a shock from any live parts or wires, as well as slips or falls if you are working ‘at height’. Any plumbing work you carry out could mean operating in a confined space, as well as being exposed to gas and hot water on a regular basis.

Scaffolders' Liability Insurance Quote

If you employ anyone, or sub-contract any work out, then you should also ensure your policy has an element of employers’ liability insurance. This is a legal requirement if you have any staff and will indemnify you against any claims if your staff or contractors are injured while at work.

You also need to think about the dangers to other people and their property. If your client or a member of the public trips over one of your tools, they could make a personal injury claim. You could also be held liable if you accidentally damage any part of your customer’s house, either inside or inside. So, your handyman’s insurance policy should include public liability cover to give you protection against this sort of mishap.

Handymen can also ill afford to be without the tools of their trade, as these can be expensive to repair or replace, so you should check that your policy includes their loss through theft or vandalism.

Clover Insurance offers handyman’s liability insurance across Hertfordshire and North London and will ensure you are fully protected against the commonest hazards you are likely to face. Our standard policy includes third party public liability cover in case any member of the public makes a claim against you after an accident, either to themselves or the property you are working on.

Our policies can also include:

  • Employer’s liability insurance
  • You or your employees’ tools
  • Plant (including any hired-in equipment)
  • Any contract works
  • A public liability excess layer
  • Any commercial legal expenses arising from a claim.

Using Clover Insurance means you are guaranteed to receive a high standard of customer service as well as a quote which will be tailored to the needs of your business. We have an extensive knowledge of the insurance market and our quote will not be available on any of the major comparison websites. If you ever need to make a claim on your policy, we will be happy to help you with the paperwork.

If you are a handyman and would like to receive a free, no-obligation quote, just click here or call us on 020 8805 1121.

Scaffolders' Liability Insurance Quote