What is handyman insurance?
The best handyman insurance policy should be designed to cover you for a whole range of situations. Working as a handyman means that you can turn your hand to all sorts of jobs, from plumbing to electrical, plastering to brickwork, laying a driveway to tending a lawn. With Viking Direct Insurance Services, you can buy a tradesman cover that provides protection for you where you have up to 5 trades.
What kind of insurance does a handyman need?
A handyman will typically need cover across three areas – Liability Insurances, tools equipment and plant, as well as personal injury in the event that you hurt yourself and cant work for a period.
Handyman Liability Insurance quotes
There are three types of liability insurance that can be included on a tradesman insurance policy for a handyman.
Handyman Public Liability Insurance
Public liability insurance is not a legal requirement. But given the nature of the job – working on clients properties – its well worth considering and it might be something that customers insist on seeing before hiring you. Public Liability works by protecting you from the costs of legal defence in the event that a member of the public alleges that they have been injured, made ill, or suffered a loss as a consequence of your work.
Handyman Product Liability insurance
Working as a handyman, it could be that you supply products as part of your work. Working on a joinery project, installing a garage alarm, painting the exterior of a house, in many cases the customer may have asked you to supply the materials. Should something be wrong or faulty with the product itself, as the supplier you may be held liable. You could face the cost of replacement, as well as having to do the job all over again. Product Liability, which is included as standard with our Public Liability Insurance policy, can protect you from costs in this situation.
Employers Liability insurance
Where you have anyone working for you – even as a volunteer or casual labourer, it is a legal requirement that you have Employers Liability Insurance in place. Not doing so can result in significant fines. Employers Liability Insurance works in a similar way to Public Liability, but protects you from employee claims.