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Handyman Insurance

We've got the right cover for the odd jobs you’re doing.

Insurance for the Handyman

We know that for a handyman every day is different. One day you could be painting a wall and putting up a blind, while the next day you could be fixing a tap, or even changing a lock.

If you're completing this sort of work in a customer's home or other premises, you'll need insurance. Thankfully Direct Line for Business Public Liability Insurance can be tailored to fit the varied nature of your work.

Which handyman activities are included?

We cover a wide variety of activities but some of the common trades we see are below:

At Direct Line for Business, we cover over 150 different trades. For your handyman activities you can select up to seven different trades to include under your policy when purchasing your Public Liability Insurance.

If you need more than this or if you can't see what you're looking for then simply call us on 0345 303 1761, or speak with us via our online live chat facility, and we’ll see if we can help.

  • Bathroom installation
  • Bricklayers
  • Carpenters and joiners
  • Flooring contractors (as well as flooring cleaning services)
  • Kitchen installation
  • Landscape gardeners
  • Loft convertors (as well as loft insulators)
  • Painting and decorating
  • Plastering contractors
  • Plumbing and heating engineers

We also find that a handyman can often fall under the Building Maintenance or Property Maintenance trades. If those trades cover the work that you do then simply select them when creating your Public Liability quote.

However, there are some common trades that we wouldn’t provide cover for, including:

  • Concrete services (including drilling, maintenance and repair, treatment)
  • Machinery repair and maintenance
  • Pipe fitting and associated work (including cleaning, inspecting, insulating)
  • Site clearance (including sheds and garages)
  • Window cleaning

What cover does our Public Liability Insurance offer?

Our cover insures your business against things you’re responsible for, as well as events outside your control. So if you, a partner, or an employee is responsible for an accident that causes injury or damage to a third party or their property, or someone makes a claim against you for compensation, you can protect your livelihood with as little hassle as possible.

Our policy includes £1m public liability cover as standard that can be increased. The policy is designed to pay compensation, which can include loss of earnings, future loss of earnings and damages awarded to the claimant. It'll also cover the legal cost in defending the claim and the claimants' legal costs that you incur if you're found to be at fault.

Our Public Liability cover also offers, as standard, access to the Direct Line for Business Legal Documents Service which provides unlimited online access to a large library of customisable legal documents. Plus you can have the documents you create checked by a solicitor. You’ll even have access to our free 24/7 legal helpline.

When might you need public liability insurance?

  • When your work causes personal injury to a customer or member of the public. If a piece of stair carpet you repaired, or an electric cable you had fixed comes loose and causes someone to trip and injure themselves, you'd be covered if they sued for compensation if you're at fault.
  • When your work causes damage to property. If you're painting a customer's ceiling and you accidentally spill paint on the carpet, or if you’ve installed a cupboard which then falls and damages their flooring, then you'd be covered if they sued for damages.
  • Some businesses require you to have public liability cover before they'll contract you, while some customers may ask you to show proof of public liability insurance before you begin working on their property.
  • For membership of certain trade bodies. Membership can be dependent on having adequate levels of insurance cover.

Optional extras

  • Select temporary employees as part of your Direct Line Public Liability insurance; and they’ll be covered for free under Employers’ and Public Liability Cover.

    (Maximum 15 persons and 50 days worked in total by temporary employees. Available from 16 July 2017 for all Tradesman customers.)

  • Cover for injury to working partners (if you're a business partnership).
  • Insurance for tools and business equipment up to £10,000 per employee.
  • Cover of business stock up to £5,000.

Frequently asked questions

About Landlord Insurance

  • Q What if my trade is not on the list?

    If you can't find your exact trade, or one that best matches what you do on the list provided, please call us on 0345 303 1756. Calls may be recorded.

  • Q What do I do if I have multiple trades?

    Our online quote tool gives you the option to enter all your trades so that we have a clear idea of what type of cover you might need. It's important that we know everything that you do.

    If you don't include something you do as a trade, then we might not be able to cover any claims. You have a duty to make a fair presentation of your business at all times, so if you are in any doubt about what information or changes you need to disclose then chat to us online or call us on 0345 878 5622.

  • QWhat do I do if I have more than seven trades?

    If you need to add more than seven trades under your policy please call us on 0345 303 1756. Calls may be recorded.

  • QWhat does Public Liability cover?

    This provides cover against your legal liability for death or bodily injury (other than to an employee) and / or loss or damage to third party property arising out of the operation of your business.

  • Q What if I haven't got a business name?

    The Business name field is mandatory only for Limited company or Partnership. You can leave it blank if you are a sole trader.