Handyman Insurance
Choose a range of liability and business covers for a variety of trades so you can build your insurance around your specific needs.
- Cover for accidental personal injury to third parties or damage to their property while running your business.
- Set your own limits of public, products liability from £1m to 5m.
- UK-based support
- Towergate Insurance is working in partnership with Markel Direct. By clicking “Get a Quote”, you confirm you have read and understood the Towergate privacy policy and this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.
Call us on 0344 7480 173 or get a quote online
Why choose handyman insurance?
Cover multiple trades in one policy
You can choose to include cover for up to five different trades in one policy – e.g plumbing, carpentry, bricklaying, kitchen installation and carpentry.
Tailored handyman insurance
Optional extras include accidental damage and tools cover.
Dedicated claims service
Experts claim handlers to give you peace of mind.
Pay for your handyman insurance by Direct Debit
You can choose to split your payment into 10 monthly instalments.
About handyman insurance
Handyman liability insurance
Whether you’re putting up a shelf or refurbishing a whole house you can choose contractors public liability a cover, with limits up to £5 million available. As your business grows you may take on staff too – if so you can arrange employers’ liability insurance covering both temporary, permanent and sub-contracted employees up to £10 million, meeting your legal responsibilities.
Tools insurance for handymen
With a flexible tools’ cover limit set by you, you can select to cover most tools of the trade from electrical power tools, right down to a spirit level and brushes. Your tool insurance policy can also include employee’s tools specialist and hired in equipment. Tools must be locked securely outside business hours, and a single item limit may apply.
Specialised insurance for your trades
Depending on your trades you have the option to include cover for more than one trade. If you also undertake electrical work and hold the relevant certificates and accreditation, this can be included in your policy.
Same-day handyman cover
Need papers quick to get you on site, or to tender for a contract? Getting the right insurance doesn’t need to be difficult or time consuming. You can benefit from insurance then and there over the phone with email policy documents on the same day.
By clicking “Get a Quote”, this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.
When you need to make a claim, Markel Direct will guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the Markel Direct claims team on 0344 748 0173 and explain what has happened.
Ready to get covered?
- Get a quote online
- Purchase your policy
- Relax - You're covered!
Handyman insurance FAQs
Markel Direct provide and administer this cover. Markel Direct is a trading name of Markel International Insurance Company Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register no. 202570).
Handymen face many risks in their line of work. Unfortunately, no matter how well prepared you are, accidents can happen – and a single slip could be disastrous for you and your business. Legal action, in respect of liability for accidental personal injury or property damage arising from your activities is a real threat. Protect yourself, your clients, your equipment, and your business, with a flexible insurance policy specifically tailored to exactly match your requirements.
Cover for tools should be arranged on a new for old replacement value so that if your tools are lost, damaged or stolen, they will be replaced with brand new products of equivalent value. Single article limits will apply and cover for tools left in vans overnight will be excluded.
Yes, you can cover labour only sub-contractors, as well as PAYE staff for the same risks under your Employers’ Liability insurance cover. it is very important to declare how your workforce are employed as this will affect how your risks are calculated.
To help you spread the cost of your premiums, you can choose to spread payment over ten months with the Markel quick and easy Direct Debit scheme.
For details of the terms, exclusions and conditions applicable, please refer to the full policy documentation provided by Markel Direct which will be available during the quotation process.
You will need employers’ liability insurance by law if you employ anyone.
Handman insurance articles and guides
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