Handyman Insurance

While there have been safety improvements in industries such as construction, those working in a trade will know there are still plenty of risks attached to their day-to-day work. If these risks play out, they can not only affect the financial health of your business, but your reputation too.

We match our clients with multifaceted, versatile, handyman insurance at a price to reflect your needs that will help keep you up and running in the event that something goes wrong.

What is handyman insurance?

We can source handyman insurance packages built for small businesses and individuals working in a trade. Covering a variety of key areas surrounding matters of liability, as well as owned and hired plant, the aim of handyman business insurance is to give you comprehensive coverage for your specific requirements, and the confidence you need as a business owner to operate freely.

With the typical handyman presented with a number of risks on a daily basis, bespoke insurance packages can protect your business against financial and reputational damage. Read on to find out more about how we can help your business achieve its risk management goals.

Why get handyman business insurance?

Statistically¹ speaking, the construction industry and the trades surrounding it involve some of the most dangerous workplaces. With tens of thousands of work-related illnesses and injuries being sustained each year, insuring your business against the accidents, errors and unforeseen incidents associated with the industry should be a basic feature of your risk management framework.

Take handyman public liability insurance, for example. Public liability cover can help safeguard your business in the event your company or contractors cause injury or property damage to an outside party. Any incident involving public liability could carry a huge financial and reputational weight. For many smaller handyman businesses, it could be too much to carry without adequate protection.

In an industry where reputation is paramount to building a solid and sustainable portfolio of clients, having adequate insurance in place can help you bounce back from an incident quickly. This means that an unfortunate accident, machinery breakdown or other slip-up doesn’t necessarily have to be a damaging event for your business.

1. https://www.hse.gov.uk/statistics/fatals.htm

Which trades do Gallagher work with?

Handyman liability insurance and plant cover can be specifically tailored for small businesses and individual tradespeople. We are determined to maintain an understanding of the unique challenges faced by the trades we support—from carpenters to electricians, plumbers to painters and decorators. We appreciate that no two businesses are the same, and the handyman insurance packages we provide are built to reflect that by offering your business bespoke risk solutions.

Building a handyman insurance policy that covers many bases

With our help, creating a handyman insurance policy that covers a range of eventualities for your business is easy. When you take a policy through Gallagher, you’ll have a variety of options and add-ons available to you, including:

• Handyman public liability insurance
• Professional indemnity insurance (cover against claims of unsatisfactory work due to negligence, error or poor training)
• Cover for owned and hired plant, business equipment and business stock
• Employers’ liability insurance (a legal requirement for most businesses who employ staff)
• Additional policies including personal accident, legal protection, contract works and tradesman tool insurance

Why choose Gallagher for self-employed handyman insurance?

Take advantage of our market access potential and extensive network of industry professionals. Our desire to understand the latest challenges in every industry we specialise in, right down to the finest details, means we can offer you and your business trusted and actionable solutions that can efficiently safeguard your business.

With Gallagher, you can expect specialist advice, pricing to reflect your needs and SME-focused risk solutions for your business, giving you greater confidence that your business can be protected.

How to get started

Want to find out more about your handyman insurance options? Call us on 0800 138 7580 to discuss something urgently—we are here to help. Complete our form and tell us about yourself and your business, or you can
get a quote and purchase your policy online.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.