Handyman Public Liability Insurance: Protecting Your Business

As a handyman, you provide valuable services to your clients, tackling various tasks and projects with skill and expertise. However, working in a hands-on profession comes with certain risks. Accidents can happen, and damages can occur while you’re on the job. That’s why having public liability insurance is crucial for handymen. In this article, we’ll explore the importance of public liability insurance for handymen, discuss who needs it, factors to consider when choosing a policy, how to obtain coverage, and provide some useful tips for making a claim. So, let’s get started!


Handymen are professionals who offer a wide range of services, such as home repairs, installations, maintenance, and renovations. While you strive to provide excellent service, accidents can still happen. Public liability insurance is designed to protect you and your business from potential liabilities arising from accidents, injuries, or property damage that may occur during your work.

What is Public Liability Insurance for Handymen?

Public liability insurance is a type of coverage that provides financial protection in the event that you are held responsible for causing bodily injury or property damage to a third party during the course of your work as a handyman. It helps cover the costs of legal fees, medical expenses, and compensation claims that may arise from such incidents.

Importance of Public Liability Insurance for Handymen

Protection against Accidents and Injuries

As a handyman, you work with tools, equipment, and materials that carry inherent risks. Accidents can happen, and injuries to clients, bystanders, or even yourself may occur. Public liability insurance offers coverage for bodily injury claims, including medical expenses, rehabilitation costs, and potential legal fees resulting from a liability claim.

Coverage for Property Damage

While performing your duties, there’s always a risk of accidental damage to clients’ property or belongings. For example, you might inadvertently damage a client’s floor while installing a new appliance. Public liability insurance can provide coverage for the cost of repair or replacement of the damaged property, protecting you from significant financial losses.

Legal Expenses Coverage

In the unfortunate event of a liability claim or lawsuit, public liability insurance can cover the legal expenses involved. Legal disputes can be complex and financially draining, but with the right insurance coverage, you can have peace of mind knowing that your legal fees, including lawyer fees, court costs, and settlement payments, may be covered.

Who Needs Public Liability Insurance for Handymen?

If you work as a handyman and interact with clients or perform services on their properties, having public liability insurance is highly recommended. Whether you’re a self-employed handyman or own a small handyman business, this type of insurance provides essential protection against potential claims and liabilities.

Factors to Consider when Choosing Public Liability Insurance

When selecting public liability insurance for your handyman business, there are several factors to consider:

Coverage Limits

Ensure that the policy’s coverage limits are sufficient to protect you from potential claims and liabilities. Consider the nature of your work, the types of tasks you undertake, and the associated risks when determining the appropriate coverage limits.

Policy Exclusions

Thoroughly review the policy exclusions to understand what incidents or claims may not be covered. Common exclusions may include intentional acts, damages caused by faulty workmanship, or claims arising from specific high-risk activities. Familiarize yourself with the limitations and exclusions of the policy.

Cost of Insurance

Obtain quotes from different insurance providers and compare the costs against the coverage offered. While price shouldn’t be the sole determining factor, it’s important to find a balance between affordability and the level of protection provided. Consider the reputation and reliability of the insurance company as well.

How to Obtain Public Liability Insurance for Handymen

When looking to obtain public liability insurance for your handyman business, follow these steps:

Research and Compare Insurance Providers

Conduct thorough research to identify insurance providers that specialize in liability coverage for handymen or similar trades. Look for providers with a good reputation, positive customer reviews, and experience in insuring handymen or small businesses in the construction industry.

Evaluate Coverage Options

Contact insurance providers and discuss your specific needs and requirements. Evaluate the coverage options they offer, paying close attention to policy inclusions, exclusions, coverage limits, and any additional benefits they provide. Ensure that the policy aligns with the specific risks associated with your handyman work.

Obtain Quotes and Assess Costs

Request quotes from multiple providers and compare the costs against the coverage provided. Take into account the specific risks of your handyman business, the coverage limits you require, and the deductible amount. Remember that the cheapest option may not always provide the most comprehensive coverage, so consider the overall value of the policy.

Tips for Making a Claim on Public Liability Insurance

In the unfortunate event of an incident or claim, follow these tips when making a claim on your public liability insurance:

  1. Notify Your Insurer Promptly: Report the incident to your insurance provider as soon as possible, providing all necessary details and documentation.
  2. Document the Incident: Gather evidence such as photographs, witness statements, and incident reports to support your claim.
  3. Cooperate with the Investigation: Assist your insurer in their investigation process and provide any additional information they require.
  4. Seek Legal Advice if Necessary: If the claim becomes complex or legal advice is needed, consult an attorney experienced in public liability claims.
  5. Keep Detailed Records: Maintain accurate records of all correspondence and expenses related to the claim, including receipts, invoices, and medical bills.


Public liability insurance is a vital protection for handymen, safeguarding them from potential liabilities and financial losses. By understanding the importance of public liability insurance, considering the factors when choosing a policy, and knowing how to make a claim, you can ensure that your handyman business is well-protected. Invest in the right insurance coverage to focus on delivering quality services and peace of mind to your clients.

Frequently Asked Questions (FAQs)

  1. Is public liability insurance legally required for handymen? Public liability insurance is not typically legally required for handymen. However, it is highly recommended to protect your business from potential liabilities.
  2. Does public liability insurance cover faulty workmanship? Public liability insurance typically does not cover damages resulting from faulty workmanship. It primarily covers accidental damage or injury caused by your actions as a handyman.
  3. Can I add additional insured parties to my public liability insurance policy? Some insurance providers allow you to add additional insured parties, such as subcontractors or clients, to your policy. This can provide them with coverage under your insurance policy.
  4. Can public liability insurance cover injuries to myself as a handyman? Public liability insurance generally covers injuries to third parties, such as clients or bystanders. To cover injuries to yourself as a handyman, you may need personal accident insurance or workers’ compensation insurance.
  5. Is public liability insurance tax-deductible for handymen? In many jurisdictions, the cost of public liability insurance can be tax-deductible as a business expense. Consult with a tax professional or accountant to understand the tax implications in your specific location.

Also Check Out These :

Leave a Comment