What insurance does a handyman need?

Public liability is the baseline. It covers injury to others and damage to their property across the mixed jobs handymen take on, and agencies or strata managers usually require it before booking you. Many solo handymen add personal accident cover for their own income. We arrange both for you.

Does handyman insurance cover all the different jobs I do?

It covers the work you've described to the insurer, which is why the follow-up matters for handymen more than most trades. Heights, structural work and licensed-trade tasks need to be disclosed so your mixed job list is properly covered.

How much public liability does a handyman need?

Domestic clients rarely specify a limit, but real estate agencies, strata and commercial clients commonly require $5M or $10M, and some $20M. Tell us who books you and we'll arrange the limit your work actually requires.

How much does handyman public liability insurance cost?

There's no single price. It depends on your turnover, your job mix and the limit you need. We compare options across a panel of insurers and come back with quotes for how you actually work.

Small business insurance

Public Liability Insurance for Handymen

A handyman's week can span flat-pack assembly, gutter repairs, fences, decks and a dozen small jobs in other people's homes. It's mixed work that insurers want described properly. Simple Cover arranges public liability that matches the jobs you actually take on, with our licensed team.

Get my quote 1300 080 323

5.0★ from 250+ Google reviews 60-second quote Licensed & Australian

Quick Quote

60 seconds

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Selected: Handyman

Liability required

Do you require Personal Accident Cover?

Financial support if you can't work due to injury or illness.

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No obligation. Subject to eligibility and underwriting.

Cover

What handymen need covered

Working in Clients' Homes

Most handyman work happens inside occupied homes. A ladder through a window, a drill through a pipe, a client tripping over your gear. Public liability responds to injury and property-damage claims from exactly this kind of work.

Mixed-Trade Job Lists

Insurers rate handyman cover on what you actually do: heights, decks, minor electrical or plumbing assist work all matter. Describing your job mix properly on the follow-up is what keeps a claim from being knocked back later.

The Limit Your Clients Ask For

Real estate agencies, strata managers and commercial clients often require $5M or $10M and a certificate of currency before they'll book you. We arrange the limit your regular clients demand.

Personal Accident & Illness

Solo operators have no sick leave. If a fall or injury stops you working, personal accident and illness cover can provide financial support if you're unable to work. Tick yes on the form to have it quoted alongside liability.

Know Where Your Licence Ends

Electrical, plumbing and gas work beyond minor tasks needs a licensed trade, and cover priced for it. We'll help you keep your policy matched to the work you're licensed to do.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Simple Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Handymen insurance questions.

Speak with our team on 1300 080 323.

Other occupations we cover

Cleaners Carpenters Mechanics

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Tell us about your business in about 60 seconds and we come back to you with options.

Get my quote 1300 080 323

Simple Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).