Having Handyman Business Insurance is important if you carry out any property maintenance, home improvement, repairs or gardening work for members of the public in their homes or at commercial premises where the public may be present.
Fortunately, arranging Handyman Insurance is straightforward and can help give you protection and peace of mind if you cause damage to property, or your business is responsible for an accident that leads to a claim for costs against you.
We’ll help you find our cheapest quote for Public Liability Insurance from our specialist insurers.
Why choose Swinton for handyman insurance?
We understand small businesses like yours. Let us do the hard yards by searching our specialist insurers to bring you our most competitive quote from our expert insurers and provide you with the details so you can decide what’s right for you.
What am I covered for?
Public Liability Insurance is your nuts and bolts insurance for a handyman business. It’s a common insurance product that many small businesses like yours have, because they deal day-to-day with the public. It means your insurer can cover the costs of repairs and legal fees, should any work you carry out lead to an accident (such as a trip, spill or damage to property) and a claim is made against you. Cover can be arranged from £1 million that can be extended if required.
Business Equipment Insurance can be taken as an optional extra with your main business insurance, such as Public Liability Insurance for Handyman.
There are four levels of cover up to £10,000 and you are covered for any tools that are away from your base and overnight in a vehicle. Cover can even include PCs and Laptops used for your business.
A couple of things to consider:
The maximum claim per item is £1,500, and while equipment or tools stolen from vehicles by forced entry is covered, this is only if items are not visible and your vehicle security devices are working and activated. Policy underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE.
Do you employ anyone else in your business?
If you do, then you might have to hold Employers’ Liability Insurance by law. It’s an important type of business insurance, and covers you against the cost of legal fees or a compensation claim if one of your staff members has an accident or gets ill, and your business is responsible.
Speak to our team if you would like to add Employers’ Liability Insurance to your business protection plan.
Find out more about Employers’ Liability Insurance