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You fix your client’s DIY problems; we’ll fix your liability problems with Handyman insurance. At BizCover, a few clicks or one call can solve all. You’ll get multiple competitive quotes from leading insurers, then all you need to do is select your preferred policy and you’ll be covered as quick as a flash.
If you operate as a sole-trader you are personally responsible, both legally and financially, for all aspects of the business. In other words, you have unlimited liability which means your personal assets are at risk of being seized if things go wrong.
And trust us – mishaps do happen to even the most careful of handymen!
Do you need it? The short answer is yes. Small jobs can have big consequences if it doesn’t go to plan! If you accidentally cause an injury to a customer or damage their property, you might be faced with a public liability claim which can end up costing thousands of dollars. Somebody trips over your toolbox and breaks a bone or two; you knock over your client’s expensive antique vase – the list of potential mishaps can go on!
Thankfully, Public Liability insurance is there to provide protection for you and your handyman business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.
Tip: as an example, electrical and plumbing work can only be undertaken by tradespeople who hold the relevant qualifications. If you do have the right qualifications, are licensed and plan on doing such work as part of your handyman service, in taking out insurance you must select your occupation as either Electrical or Plumbing Services and advise that you undertake more extensive handyman services.
Chances are you rely on your own tools and equipment to run your business, but how would you cope if they were damaged or stolen? The good news is you can protect them with General Property cover. It covers your essential gear against theft or damage anywhere in Australia, on or off the job.
You rely on your physical ability to get the work done – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover? Accidents can happen anywhere, anytime. They can happen at work or even when you’re out and about in your spare time.
Personal Accident and Illness Insurance can provide different levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness (even if it occurs outside your work) . You can keep paying the bills and putting food on the table without having to worry.
| *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. |
A handyman was hired to remove some tiles from a bathroom in an apartment when he accidentally penetrated the wall with the jackhammer bit, damaging a water pipe, which resulted in a significant amount of water being discharged.
The handyman had to break in to the service room to gain access in order to shut off the water, but by the time he was able to do this the water had leaked into the apartment below causing damage to the ceiling and contents that were stored in a cupboard.
Fortunately the handyman’s Public Liability policy responded and covered the cost of the damage, which included repairs to the water pipe, ceiling and service room door, and compensation for the damaged items that were stored in the cupboard. The total claim came to an amount of $8,614.
