FAQ Category: Handyman insurance

Yes, your policy can cover light, domestic plumbing, basic electrical tasks (non-certified), and carpentry, provided these trades are included in your declared business activities and within your skill level. For more specialised work (e.g. major electrical rewiring or gas work), additional qualifications and policy updates may be needed.

Yes, accidental third-party property damage caused during fault-finding (e.g. accessing pipes or removing panels) is typically covered under Public Liability, provided the damage wasn’t due to negligence or unsafe practices.

Your policy won’t cover poor workmanship or the cost to redo faulty repairs. However, if your work fails and causes accidental third-party damage (e.g. a leak damages furniture), Public Liability may cover the resulting damage — not the original work itself.

Yes, your cover isn’t limited by the time of day. Emergency work is covered as long as it falls within your declared trade and is carried out safely and within the scope of your competence.

Yes, working at height is covered up to the policy’s height limit (up to 10 metres). Accidents involving ladders or falls are covered under Employers’ Liability for staff and Public Liability if someone else is injured.

Not necessarily, as long as the work fits within your declared activities. However, if you’re regularly working under contracts with commercial landlords, you may need to ensure your policy includes cover for commercial properties and higher liability limits.

Discovery of additional issues is not an insurance matter unless it results in a claim (e.g. exposing asbestos or causing accidental damage while investigating). Always document and quote separately for extra work, as disputes over scope are not covered.

Your existing policy can cover both, as long as you’ve declared you work in mixed environments. If you only declared domestic work when taking out the policy, inform your insurer so they can ensure your cover is valid for commercial jobs too.

No, insurance doesn’t cover delays or financial loss due to weather interruptions. If materials are damaged due to weather while stored on-site, you may be covered under Contract Works, provided reasonable precautions were taken.

While discovering hazards isn’t itself a claimable event, you’re expected to act responsibly. If a safety hazard causes injury or damage and you failed to act or report it, this could affect liability in a claim. Insurance won’t cover fines or regulatory action.