Insurance for Handyman

Insurance for Handyman

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Insurance for Handyman

You’re a “jack of all trades” when it comes to helping your clients with home repairs and general maintenance. You need insurance that addresses the many risks you could meet as the neighbourhood handyman.

Why does a Handyman need it?

As a handyman, you are there every time your client needs you for maintenance and repairs. From carpentry to installing flooring, you are skilled at taking on a wide range of small to big jobs.

While you attend to fixing other people’s problems, there can be minor to major risks or liabilities that you are exposed to daily. These risks could be in the form of damage to your client’s property, someone’s injury, or even death.

At BizCover, we are here for you with comprehensive handyman insurance cover that protects you and your business against risks. We remove the confusion in choosing the right insurance policy by offering multiple quotes from top insurers. Compare and choose the best policy that meets your business’s needs. Get covered against wide-ranging risks in minutes.

An easier way to get the right insurance cover is just to give us a call – and we will do the rest.

Did you know?

Your level of exposure is not based on your job fee or annual turnover. A relatively small and quick job could still result in many thousands of dollars damage.

Insurance for Handyman

Public Liability*

Running your handyman business is challenging. You’re constantly juggling your reputation, growing your business, cutting costs, and earning a decent profit. Nobody wants to make mistakes, but unfortunately, they tend to happen.

At times a minor error can lead to hundreds of dollars of property damage or injury. However, the last thing you need is the added burden of having to pay for injuries suffered by someone or accidental damage to property due to your work.

Public liability insurance is designed to protect small business owners against risks that arise and incur property damage, injury or loss to a third party.

The cost of public liability insurance depends on the extent of insurance cover you require, the size, location and nature of your business. When comparing the quotes, it is important to also look at the benefits and other features offered by each policy.

BizCover is the go-to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A few clicks are all it takes to get the best public liability cover and complete peace of mind.

What is typically covered?

Public Liability insurance can help protect your handyman business by providing cover for events such as:

  • Third-party property damage
  • Financial loss resulting from damage to property
  • Financial loss resulting from damage caused by a faulty or defective product that you have manufactured or sold
  • Inappropriate equipment installation causing property damage
  • Injury, illness or death not covered by the ACC that is caused by your negligence

What is not typically covered?

A Public Liability policy can help shield handymen against claims of negligence, but there are limits to your cover. Taking steps to ensure that you and your business are operating in a professional manner may be advisable.

The following are typically not covered by Public Liability insurance:

  • Injury to you or your employees
  • Damage to your own property, including tools
  • Personal injury compensation that is covered by the ACC

Business Insurance*

Beyond general liability claims, a handyman may face other hazards to their business that have the potential to be financially devastating. Business Insurance could help you confront these head on and create a safety net for your livelihood.

Business Insurance is an insurance package that includes cover for your business contents, stock, tools and commercial premises when a fire, storm, theft or other insured event occurs. A Business Insurance policy can also cover your portable equipment, accidental damage and loss of revenue due to business interruption in specified circumstances.

A handyman might consider including these types of cover in their Business Insurance package:

Protect your business today.

Portable Equipment Insurance

The success of your handyman business depends as much on your skills as your tools, some of which can be expensive. It is quite common for portable tools to get misplaced or lost, while there are also chances that they could get stolen or damaged. Paying out of your pocket to replace them is a setback that you cannot afford.

Portable Equipment insurance covers damage to your contents and stock, due to fire and other events listed within the policy wording. Portable Equipment policies typically include tool insurance cover that replaces your tools if they get lost, damaged, or stolen anywhere in New Zealand. With tool insurance cover, you won’t break the bank replacing the tools that are so vital to your everyday business.

Business Interruption

Accidents happen, and they can cause major headaches if you need to temporarily shut up shop to fix them. Business interruptions could quickly drain your bank accounts while you wait to resume work.

Business Interruption insurance covers the loss of income and increased costs of running your business caused by property damage, fire, or another specified insured event. It is also designed to help your business recover from an insured event by paying wages, rent, or other ongoing expenses.

Property (Contents)*

As a handyman, you might rent commercial space or have a designated place where you store important information relating to your small business. Whether that’s tiles waiting to be installed in a client’s bathroom or payment invoices needed for your tax filing, you’d potentially be out a lot of money if these items were damaged and needed replacing.

Property (Contents) covers you for loss of or damage to items belonging to you at the insured location, such as business equipment, stock, plant and machinery, records, fixtures and fittings and furniture.

Visit BizCover to compare affordable Business Insurance packages built with your handyman business in mind.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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