How to Choose the Proper Insurance if You are a Handyman

September 27, 2017Diana Lengerson

As a handyman, you are a tradesman – you offer a service which requires accuracy and a special set of skills. Your trade enables you to give clients exactly what they require for their homes or businesses. But since you are in direct contact with your customers, this brings with it a certain amount of risk. Your service as a handyman will often be in high demand, and this is when you need adequate protection for your trade. As a handyman, you need insurance just to cover particular risks associated with your industry. But what types of insurance do you need?


The good news is that providers such as Next Insurance offers handyman liability insurance, which you can easily get online. Here’s how to choose the proper insurance if you are a handyman.

  • Public liability

Public liability insurance is undoubtedly the most common type of insurance you can acquire. Almost all property managers and real estate firms will require you to carry public liability insurance before you can even begin providing them with your service or working with them.

But even though public liability is a requirement, it still pays for you to have it, for other reasons. One reason is this: if you are working and you cause damage to a piece of property or equipment or you inadvertently harm another person, your public liability insurance will cover it.

For instance, if you damage an expensive stained-glass window, or a person trips over one of your cables, etc. and suffers an injury, you won’t have to worry about paying for the cost of repair or replacement or medical attention – it will all be taken care of by your insurance coverage. In case anything goes wrong while you’re on the job, you are duly protected.

  • Tool cover policies

As a handyman, you probably have a wide range of tools which you make use of every day. Some of these tools may also be expensive, and you consider them an investment. But what if your tools get stolen or damaged in a fire or a vehicular accident? With a proper tool policy or insurance cover, the tools of your trade can be properly protected and will be replaced or repaired in case they get damaged, stolen, or lost.

  • Income protection cover

Your trade has some significant benefits, one of which is your own hours and your own workload. But even with these benefits, what would happen if you suddenly get sick and can’t work, or if you become injured? Since you can’t work, you can’t earn an income. But with income protection insurance, you can still receive an income even if you are not able to work due to an illness or injury. Income protection cover can give you as much as 75% of your regular income for a certain period.

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