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Handyman Insurance

Bespoke tradesman insurance for a self-employed handyman

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Cover for your business, staff, tools and equipment

Quick online quotes in less than 90 seconds

Rated 4.7 out of 5 by our customers on Feefo

Handy man

As a handyman you will always be in demand because you are able to turn your hand to almost any task, large or small such as plumbing jobs, building work, laying decking, to name but a few.

The key to ensuring your continued success is to be professional so that you instill trust in your customers. Professionalism doesn’t just mean being polite when meeting customers and providing a clear written quote for your customers. It also includes being prepared for the unexpected by ensuring you are insured, which also provides cover for your customers should there be a problem. That’s where handyman insurance comes in.

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What is handyman insurance?

Handyman insurance protects you and your business in the event that something goes wrong. Our insurance policies offer a range of cover for your power tools to public liability insurance, from accidental damage to property to personal accident cover in case you sustain an injury and are unable to work.

At Caunce O’Hara we can tailor your insurance to meet your needs and give you peace of mind that you’ll be protected if something goes wrong.


Why do handymen need insurance?

However careful you are, there’s always a very real possibility that you’ll cause some accidental damage to a customer’s property. Even worse, there’s a chance that something you do (or forget to do) could result in a customer suffering an injury.

Examples of why a handyman needs insurance include:

  • How would you cope financially if an injury or illness sustained whilst on a job prevented you from working? Personal accident insurance can help alleviate the pressure if you need to take time off.
  • Ask yourself, how would you cope if your tools were stolen? Would you be in a financial position to replace them straight away? With the rising cost of living, and the increasing cost of trade materials and products, replacing stolen goods and trade materials could be expensive.

Why choose Caunce O'Hara for your insurance?

As trades insurance experts, we're your number one choice for your business protection.

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Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently asked questions about handyman insurance

At Caunce O’Hara we offer the opportunity to tailor your insurance to meet your needs, including:

Property damage – You accidentally damage a customer’s property when fitting a wardrobe, or when drilling though a wall you hit a water pipe.

Injury to the general public – You are doing work at a customers’ home and you leave your debris on the footpath with the intent to clear it away at the end of the day. A passer-by sustains an injury when they trip over the items you’ve left in the way.

Theft or damage to your tools and trade materials – Your van is broken into and your tools are stolen.

Caunce O’Hara are experts for tradesman insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

Complete our simple online quote form and get a quote in as little as 90 seconds.

Affordable protection

Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Customer service has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and contractors, which enables us to provide the cover you need.

The cost of an annual premium depends on your type of insurance and the level of cover you need. Our public liability insurance for handymen starts from £127.20*.

* Price quoted is an annual figure, inclusive of Insurance Premium Tax at the current rate, and based on a handyman (property maintenance only) requiring £1million public liability insurance, with 1 employee, 5+ years trading, and no claims in the last 3 years.

As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

  • Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
  • Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
  • Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
  • Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
  • Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
  • Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
  • Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Insurance policyLowest excessHighest excess
Public liability insurance£250£250
Employers’ liability insurance£0£0
Tools & trade materials cover (can only be purchased with the public liability policy)£250£250
Personal accident insurance£0£0
Professional indemnity insurance£250£500

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ, or affect the price.


Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today