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The handyman trade is a great business. There is plenty of work, you get to help people and you most likely get to be your own boss.

But like any business, the handyman trade has risks. And to be a successful handyman, you must protect your business from financial risk. That’s what insurance is for.

Don’t make the mistake of thinking that because you are a small business owner or even just a sole trader that you don’t need insurance for your business.

Every business needs insurance. A lot of small businesses don’t reopen after a major loss. Don’t let that happen to you.

Having Handyman insurance can make sure the business you have worked hard to build can weather any type of accident, storm or loss.


Why does Handyman need Public Liability Insurance?

Public liability insurance is the most basic and important insurance coverage for a handyman. Simply put, public liability insurance protects your business from financial risk if you are found responsible for someone’s injuries or damage to their property.

When operating your business, you have a responsibility to ensure the safety of your customers, employees and the community where you work. You also have an obligation to take care of the property that you work on.

If during your business activities, you are found negligent, the financial consequences can be devastating and can quickly put you out of business.

Public liability insurance can cover the cost to defend yourself against claims of property damage or bodily injury. It will pay for a settlement if one is awarded. This type of protection allows you to carry on without worrying about the financial risk of property damage or injury claims.

Even the most safety-conscious handyman businesses run the risk of injuring someone or damaging someone’s property. Accidents can happen anytime, and if one does come up, you don’t want to be left without insurance protection.

Further, if your business hires contractors or used other suppliers, don’t forget to make sure they are also properly insured.

Protect your handyman business today.

Handyman Risks

Here are a few risks which handyman insurance can protect you from:

  • Lawsuits if you injure someone or damage their property while working
  • Theft of equipment or tools
  • Other damage to equipment or tools
  • Loss of income if your business can’t operate due to an insured loss

Any one of these risks could cost your business thousands. Consider insurance is to protect you and your business.


Business Risks

For a handyman, there are not only business risks, but personal risks as well. If you operate as a sole proprietor, you can become personally responsible for an accident. This means you can stand to lose your business assets, and your personal assets if something goes wrong.

Public liability insurance will protect you from things like:

  • Accidents on job sites: Say you accidentally drill a hole in the wrong area of the kitchen while trying to replace a faucet.
  • Damage to others’ property: What if you are working on installing floating shelves in a customer’s living room and you knock over their antique urn.
  • Injuries to customers, suppliers or member of the public on job sites: Maybe you are working on a residential remodel and the homeowner trips over the electrical cord you have run through the front yard.

These are only a few scenarios can result in financial loss for your business. With proper public liability insurance, you are protected when an accident happens.

Other Types of Insurance

Public liability is one of the most important type of insurance for handyman, but there are other types of insurance that all handymen should consider.

Portable Equipment

Your tools are a major investment in your business and must be protected.

Portable Equipment provides protection for your tools and equipment whether they are on the job site, in storage or in transit.

This protection is invaluable for any handyman business – tools are expensive and short of your own know-how they are the lifeline of your business.

Personal Accident and Illness

As a handyman, you rely on physical health and strength to get your job done. Helping your customers with their renovations and home repairs requires you to be strong and able.

But what if something goes wrong and you are injured? How would you keep paying your bills and other expenses if an injury prevented you from working?

This is where personal accident coverage comes in. Personal Accident and Illness insurance can pay up to 85 percent of your income or up to $3,000 a week if you are unable to work temporarily due to an accident or illness.

This type of coverage offers you peace of mind that if you are unable to work, you will still have some income to support yourself and your family while you heal.

What Could Go Wrong for Handyman business?

No business owner likes to think about the worst case scenario but asking yourself what could go wrong is the best way to ensure you are protected from risk.


Accidents resulting in damage to someone else’s property

You are hired to install a new kitchen backsplash. While you’re removing the old kitchen tiles, you penetrate a water line behind the wall, and a major water leak occurs. Before the water gets shut off, the leak damages the contents of the cabinets, countertop and the wallpaper. Now you are responsible for repairing and replacing that property.


Loss of tools

You’re on your way home after a long day. You stop off to pick up a few things from the market. As always, you secure your work truck and tools before heading into the store.

By the time you get back to your truck, the worst has happened. The lock is broken, and your tools are gone. Now you must cancel jobs and find the money to replace your stolen tools.


Illness or injury

As stated, a serious illness or injury can strike anytime and anywhere. Imagine you sprain your ankle during a weekend hike. Now you are unable to work until you recover.

Here are just a few of the exposures a handyman encounters on a regular basis:

  • Injuries resulting from using power tools and machinery
  • Accidents involving toxic and hazardous substances such as paint or cleaning chemicals
  • Injuries from operating heavy equipment and lifting heavy objects

Questions to Ask Yourself When Buying Handyman Insurance

Some things to think about when selecting your handyman insurance include:

  • Are you required to have a certain level of Public Liability coverage for a contract or worksite?
  • How much are your tools worth? Do you have coverage for theft and damage?
  • Would you be able to afford to take time off work to recover if you were to injure yourself or fall seriously ill?


Getting the Right Public Liability Insurance for Handyman

At Public Liability Australia, your handyman insurance can be customised to fit you and your business. You may need only Public Liability or Portable Equipment Cover, or you may need a full range of insurance cover.

We understand there is no “one size fits all” solution for every handyman business. We provide different options for your business.

Just a few clicks or one call is all you need for multiple competitive quotes from leading insurers. Select your preferred policy and you’ll be covered in minutes.

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