Business Insurance for the Handyman

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Business Insurance for a Handyman*

If you work as a handyman the nature of your everyday work presents a number of risks.

Whether you are a handyman working as a sole trader or contractor, its important you get suitable and affordable handyman insurance to protect yourself and your business from potential claims that may arise from your work activities.

Many Handymen are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Handymen can access many BIG name insurers AND
industry specific underwriters here.*

Small business owners QUESTIONS regarding
Handyman Insurance ANSWERED:*

The various risks a handyman is exposed to from their handyman business include:

  • Damage to someone else’s property from your handyman work activities
  • damage or loss/theft of your property such as tools
  • harm to yourself, an employee, sub contactor or someone else, slips and falls, tools, materials, fire and liability hazards on site.
  • Public liability insurance– may protect you against claims from harm to other people or their property caused from your handyman activities ; work at site including unauthorized
  • Product liability – may protect a handyman when products you have supplied, repaired or manufactured cause harm, injure someone or cause property damage.
  • General property insurance – may cover damage or loss to and business equipment such as tools, mobiles , computers , power equipment , or stock such as timber or frames.
  • Business insurance pack – you may be able to combine multiple covers in a specially designed policy for a handyman business. Ask your SMART broker for details.
  • Marine cargo – cover if you receive or send goods such as building materials via post or freight.
  • Professional indemnity – if you provide professional advice or a fee.
  • Commercial motor – may cover any vehicle – car, van, light truck – that you own and use mainly for business
  • Income Protection – to protect your personal income if you can’t work for an extended period
  • Life Insurance – to protect your family

Trying to work out what insurance your handyman business needs?

We may be able to assist.

Wherever you are in Australia when you contact SMART business insurance , your friendly business insurance broker may be able to help answer your questions and find you suitable and affordable insurance for your handyman business.

Disclose ALL of your handyman business activities to your insurance broker no matter how infrequently you perform that type of work. Some types of work undertaken by a ” handyman ” are a lot risker than others, and insurance policies are priced according to risk. Failure to disclose any type of work you perform means you will not be covered if an incident occurs whilel undertaking any undisclosed type of work activity.

So, how much will handyman insurance cost you?

The core insurance for handymen in Australia is public liability insurance.

Public Liability Insurance cost for a handyman acting as a sole trader, or self-employed contractor undertaking “low risk ” handyman work activity starts from around $500.

Please note: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the business activities you undertake and the insurance policy and company will respond as intended when there is a claim.

For handymen that:

  • undertake “risky work”
  • have employees,
  • are looking for costs and quotes on other covers you may need; such as product liability, business insurance pack, general property, commercial motor, or any of those above.

please TALK to a friendly SMART business insurance broker who may be able to assist.

TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable insurance quotes for your handyman business.

Want guidance on Handyman Insurance coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.

SMART BUSINESS INSURANE BROKERS

REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
Get in Touch:*

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Learn More About Insurance for your Business:*

GET The SMART Edge

· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.