Self Employed Public Liability Insurance
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Why do Handymen need insurance?
You fix your client’s DIY problems; we’ll help your liability problems with business 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.
Did you know?
If you operate as a sole-trader you are personally responsible, both legally and financially, for your business. In other words, you may have a personal liability which can affect your personal assets if things go wrong.
What types of insurance do handymen typically consider?
Public Liability Insurance
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!
Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the public or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activities.
Tip: Electrical and plumbing work can only be undertaken by tradespeople who hold the relevant qualifications. If you are qualified and licensed and intend to do this work as part of your handyman service, in taking out your business 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.
Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.
Personal Accident and Illness insurance
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.
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 into 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.
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*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.