Handyman
Making sure you have the right equipment and materials is essential for any project.
As a handyman who undertakes different projects with different risks daily, the same goes for your insurance. Having a solid tradie insurance package is a must to ensure your livelihood, assets, and equipment are protected from the unexpected.
Public Liability
Public liability insurance is a key part of any handyman's business insurance. Many clients and job sites require proof of cover before you can begin working. This policy protects you from financial loss and ensures that you meet the legal and contractual requirements of clients and projects.
It safeguards your business against claims of property damage, legal costs, or injuries resulting from your work.
Tools Insurance
Your tools and equipment are essential to your business. Whether you're doing repairs, installations, or upgrades, losing them can put your work on hold and cause significant financial strain.
Tools insurance provides protection against theft, loss, and accidental damage, ensuring your tools are covered when unforeseen events occur. It's an intelligent way to protect your livelihood and keep your business running smoothly.
Trailer insurance
Your trailer likely carries all the necessary tools and materials to complete your handyman jobs. Protecting both the trailer and its contents is critical to ensuring your ability to transport equipment to each project.
Trailer insurance safeguards your trailer and its cargo from risks such as accidents, theft, and vandalism, making it a must-have for any handyman.
Personal Accident insurance
Your tools, vehicle, and trailer are essential for your work, but they rely on you to generate income. If you're injured and unable to work, your business can quickly grind to a halt.
Personal accident insurance helps ensure you're financially supported if an accident prevents you from working. It provides income replacement, allowing you to focus on recovery without worrying about lost earnings.
Frequently Asked Questions
Case study: Handyman insurance saves the day for Tim's handyman service
Background: Tim runs a small handyman business, taking on various jobs ranging from minor repairs to home improvements. One day, while working on a client's property, Tim accidentally caused water damage to the client's floor. The damage required immediate repairs, and the client demanded compensation.
Problem: Without the right business insurance in place, Tim would have been personally liable for the repair expenses and legal challenges, and the public liability insurance costs would have come directly from his pocket. In addition, he faced potential delays in work due to the time required to resolve the issue.
Solution: Fortunately, Tim had a comprehensive handyman insurance package that included public liability insurance. This policy covered compensation for the water damage, saving Tim from the financial burden of paying out of pocket.
The insurance also covered the associated legal expenses, ensuring that Tim's business operations weren't disrupted.
The role of public liability insurance: Tim's public liability insurance not only covered the immediate damage but also gave him peace of mind.
The insurance addressed both the repair costs and any legal fees, allowing Tim to focus on his next project without worrying about financial repercussions. His overall business insurance package ensured smooth business continuity.
Outcome: Thanks to the right business insurance package, Tim was able to continue running his business without any interruptions. His liability insurance ensured that his finances, tools, and reputation remained intact, and he avoided delays in his work schedule.
The comprehensive nature of his business insurance made all the difference in protecting his livelihood.
Why use Tradesure?
Get the peace of mind you need to focus on the job, knowing your insurance will meet the requirements of any site or project.
From managing claims to liaising with insurers on your behalf, we'll take the pressure off so you can keep working without the hassle.
Contact us today