FAQ Category: Handyman insurance

Yes, consumables and supplies (like paint, sealant, or cleaning fluids) may be covered under Contract Works or Owned Tools, when they are being used as part of a job and stored securely.

Yes, if you accidentally damage items like wallpaper, flooring, or paintwork during repair work, this can be covered under Public Liability. Deliberate or avoidable damage is not covered.

Your current policy covers work in customer homes, even if you’re working alone. However, for your safety and legal protection, it’s good practice to log visits, use sign-off forms, and ensure you’re insured for any tools you take with you (via the Tools of Trade extension).

No, insurance won’t cover disagreements over subjective quality or dissatisfaction with work, unless they result in a legal liability (e.g. property damage or injury).

No, you’re still covered under your liability insurance for damage or injury caused during installation — even when using client-supplied parts. However, if the item itself is faulty and causes damage, the manufacturer or supplier may be liable, not you.