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Handyman insurance
Tailored cover for liability, tools, vehicles
Stay protected against claims and downtime
Get competitive quotes from a wide panel of insurers
Helping businesses with insurance for over 70 years
Finding you the correct cover
Get an online quote in 10 minutes, our experts are here to understand the finer detail.
In-house claims team
Here to guide you through the unfortunate event of a claim.
Variety of cover
We'll work with you to develop a tailored insurance package based on your needs.
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Proven broker, we won silver in the Insurance Times award for Commercial Lines Broker Of The Year, 2022.
Search our panel of insurance specialists to find competitive cover
We work with a range of builder insurers from household names to small specialist insurers to find the best policy for your business.
Why is handyman insurance needed?
For those working in residential and commercial settings, handyman insurance is essential for independent tradespeople who tackle various repair and maintenance tasks. This coverage protects against financial losses resulting from property damage, accidental injuries, and liability claims if your work inadvertently causes harm.
Without insurance, it only takes a single mishap – think a slip or accidental structural damage – to snowball into expensive legal actions or repair costs. These costs can quickly jeopardise your business. The right handman insurance not only keeps you financially secure, but it also helps build client trust.
Benefits of handyman insurance
- Protection against liability claims: If a third party suffers injury or property damage due to your work, handyman liability insurance prevents associated lawsuit costs from overwhelming your finances.
- Financial security: In case of on-site accidents or injuries, insurance offers financial security by covering medical expenses and repair costs. Unforeseen incidents don’t jeopardise your savings or cause business interruptions.
- Coverage for tools and equipment: Handyman insurance covers repair or replacement costs for damaged tools. From theft to malfunction, it ensures you can quickly replace impacted items to minimise downtime.
- Safeguard client interests: Coverage can extend to protecting client property during your work. The insurance covers repair costs or even compensation if accidental damage occurs.
- Enhanced professional credibility: Holding proper handyman business insurance enhances your credibility among clients and contractors. It demonstrates you operate responsibly and safely, and this professional commitment naturally boosts client confidence.
- Business continuity: Handyman insurance means that, even if an incident does occur, your business can continue operating with minimal interruption. It allows you to maintain stability, even during challenging periods.
Handyman insurance means that, even if an incident does occur, your business can continue operating with minimal interruption. It allows you to maintain stability, even during challenging periods, provided you have a business property, as this cover is tied to insured premises.
What's covered with handyman insurance?
Public liability insurance
Handyman public liability insurance covers third-party claims if your work causes injury or property damage. Essential for protection against accidents like someone tripping over your equipment.
Employer's liability insurance
This insurance is legally required when employing staff. Protecting against compensation costs, it covers claims if an employee is injured or becomes ill due to their work.
Tools and equipment cover
Tools are crucial for any handyman. If they’re lost, stolen, or damaged, this covers their repair or replacement. It prevents costly disruptions to your work.
Business vehicle insurance
Standard vehicle insurance doesn’t cut it for work-related use. Specialist insurance protects vehicles used for transporting tools, materials, and equipment for potential issues like accidents and theft.
Personal accident insurance
Provides financial support if you’re injured and unable to work. It’s particularly important for self-employed handymen who rely on their ability to work for income.
What is the cost of handyman insurance?
Coverage type. Business size. Risk level. Factors like these influence the cost of handyman insurance. If you only require general liability insurance for handyman operations, you may only be spending around £10 per month. However, comprehensive packages, the types that include tool and vehicle cover, can cost £50 per month or more.
While cost is an important element, it’s not as important as choosing the right level of coverage. Whether it’s liability claims, work-related injuries, or stolen tools, you must be protected against all unexpected costs – otherwise you’ll pay in a different way.
Get handyman insurance with Radius
Finding the right handyman insurance is made easy with Radius. We put together tailored policies that cover everything from public liability and tool protection to business vehicle insurance. With our expert guidance, you’ll gain coverage that matches your work.
By working with a panel of 120 insurers, we acquire competitive quotes for self-employed tradespeople and small businesses. Whether you’re a sole trader or managing a team, we assist you in finding reliable insurance that keeps your business running smoothly.
Get a quote today and secure the right level of protection with Radius.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
What insurance does a handyman need?
Does homeowners insurance cover a handyman?
What does handyman insurance cover?
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UK Fuels, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.