Insuring your handyman business
Your work is complex and involved – as are the demands of your clients, but despite your best efforts, sometimes things break, or mistakes are made. You need to be able to deal with unhappy customers, or onsite accidents that result in injury. Putting business insurance in place means you’re covered when things don’t go to plan and at Hiscox we can tailor your insurance package to your company.
Why you need business insurance as a handyman
Illness and injury
Work as a handyman is demanding, but it’s not just about lifting and shifting, hammering and painting – your client or even a member of the public could be injured, whether you’re at fault or not. Injuries are upsetting and stressful and could stop you working while you recover. You may also face compensation claims if a client or member of the public is injured. We’ll cover you for expenses, legal claims and loss of earnings, so you can get on with your clients’ projects.
Unhappy clients
Despite your best efforts, you might be challenged on the work you deliver. It could be that a project goes over budget, or the client demands revisions that cause disagreements. Maybe they just change their mind. No matter who’s at fault, if a client brings a claim, your business insurance policy is designed to defend and protect you.
Protecting your tools
Without tools, you can’t work. It could be that a key item of equipment breaks down, or someone breaks in and steals your tools. Having insurance in place means we’ll cover the costs of repairs or replacements and get you back on track.
If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for the handyman industry
Public liability insurance
No matter how careful you are in your trade, you can’t always anticipate what other people will do, especially if they’re members of the public who aren’t up to speed on what you’re doing. Public liability insurance protects you if a member of the public, or your client, claims they’ve been injured or their property was damaged because of your actions at work. You’re covered for the cost of compensation and the legal expenses of the claims process.
Professional indemnity insurance
As a professional and someone who carries out work for clients to a high standard, you still need to make sure you’re protected in the event of a disagreement or a dispute. If a client claims that your work, or even your advice, isn’t up to standard, they may decide to take legal action against you – whether you’re at fault or not. If they do, you need to be covered. Professional indemnity helps you to protect you business and your reputation.
Tools insurance
As a handyman, business insurance makes sure your equipment is protected too. Your day-to-day work depends on your own skills and experience, but you also rely on the tools of your trade. If key machinery breaks down, we’ll help you to get it repaired as quickly as possible and if your specialist tools are stolen or damaged, meaning you can’t get on with the work in hand, we’ll cover the cost of replacing them.
These are just some of the types of business insurance we offer. We can provide other specific types of cover and build them into a policy tailored to the exact needs of your business.
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