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HANDYMAN INSURANCE

Insurance Built Around the Range of Jobs You Take — Not a Single-Trade Policy

A shelf you fixed last month comes loose and causes injury — public and products liability responds to that, whether the original job was carpentry, fixtures or general repairs. Because your work spans categories, a policy written narrowly for one trade often misses the rest. We arrange insurance around what you do, not a single trade label.

A Single-Trade Policy Leaves Gaps for Multi-Trade Work

A shelf you fixed last month comes loose and causes injury — public and products liability responds to that, whether the original job was carpentry, fixtures or general repairs.

Because your work spans categories, a policy written narrowly for one trade often misses the rest.

We arrange insurance around what you do, not a single trade label.

What We Arrange for Handyman, Handywomen & General Maintenance Businesses

We compare your risk across a panel of insurers and put together insurance that covers the breadth of work you take on. For most multi-trade businesses, that means:

Public & Products Liability

Responds to injury or property damage from a job, including damage that surfaces after the work is done — whatever the trade involved. Most clients expect proof of cover before letting you start.

Commercial Vehicle or Motor Fleet

Covers the vehicle (or vehicles) you rely on to get to jobs and carry your gear, against accident, theft and damage.

Tools & Portable Plant

Covers the tools and equipment you carry job to job, against theft and accidental damage — relevant across the range of trades a multi-skilled business takes on.

Workers Compensation

A statutory requirement the moment you take on any help, even casually. Requirements and premiums vary by state — we help you get this right for your jurisdiction.

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Handyman Insurance FAQ

Do I need public liability as a sole trader?

Yes — public and products liability isn't about how many people you employ, it's about the risk you create for other people and their property while you're working. Most head contractors and commercial clients will require proof of insurance before they'll let you on site, solo operator or not.

How do I get a certificate of currency?

Once your policy is in place, we can issue a certificate of currency on request — most clients and head contractors will ask for one before you start a job.

I have an apprentice — are they covered?

Workers compensation becomes a statutory requirement the moment you employ anyone, including an apprentice. Requirements and premiums vary by state — we help you set this up correctly for your jurisdiction.

What's the difference between public liability and professional indemnity for electrical work?

Public liability responds to physical injury or property damage from your work. Professional indemnity responds where the claim is about advice, design, or certification — for example, signing off work that turns out not to meet code. Many electrical contractors need both.

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