Handyman Insurance

Specialist business insurance for self-employed handymen and property maintenance companies working across domestic and commercial premises.

We can help arrange cover around the repairs, maintenance and installation work you undertake.

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Tailored Cover for UK Trades & Contractors

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Business Insurance for Handymen

CHAS Insurance is a national broker arranging specialist insurance for handymen and property maintenance businesses across the UK.

Handyman work often involves moving between different properties and carrying out a wide range of repairs. Accidental damage, injuries to customers or problems involving completed work can all lead to claims.

The right insurance will depend on the services you offer, the tools you use and whether you work alone or employ others.

We take the time to understand your business before arranging cover.

Contact CHAS Insurance today to arrange handyman insurance.

Our Simple Three-Step Process

Answer Questions
You’ll receive a series of questions to answer to give us more information.

We’ll Be In Touch
We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Insurance for Handyman Businesses

Handymen may carry out basic repairs, furniture assembly, decorating, minor carpentry and general property maintenance.

It is important that all services are accurately disclosed when insurance is arranged. Some activities may require different cover or may fall outside what a standard handyman policy can include.

CHAS Insurance arranges cover for self-employed handymen, small maintenance teams and established property maintenance companies.

We will review the work you undertake before approaching our panel of insurers.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Handyman Insurance Cover?

Handyman insurance can combine several covers within one wider business insurance arrangement.

The right policy will depend on the services you provide and the environments in which you work.

Handyman Public Liability Insurance

Public liability insurance protects your business if your work causes injury to another person or damage to their property.

This could include accidental damage during a repair or a customer tripping over your tools.

Employers’ Liability Insurance

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

It covers claims from employees who are injured or become ill because of their work.

Tools and Equipment Cover

Tools cover can protect essential equipment against theft, loss or damage, subject to the policy terms.

The insurer will need to know the value of your tools and where they are normally stored.

Contractors All Risk Insurance

Contractors all risk insurance may be relevant where you are responsible for materials or work in progress during a larger project.

The cover required will depend on the type and value of the work involved.

Professional Indemnity Insurance

Professional indemnity insurance may be relevant if you provide professional advice, designs or specifications.

It is less likely to be needed where you only carry out straightforward repair and maintenance work.

Supporting Accredited Contractors

CHAS Insurance works with contractors that need to meet the requirements of schemes including CHAS, Constructionline and SafeContractor.

Commercial clients may ask for proof of insurance before allowing work to begin.

We can help arrange suitable cover and provide the required documentation.

Get a Handyman Insurance Quote

CHAS Insurance arranges business insurance for self-employed handymen and established maintenance companies across the UK.

Your cover will be based on the services you provide, the tools you use and the way your business operates.

Speak to our team today for a tailored quotation.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is handyman insurance a legal requirement?

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

Public liability and tools cover are not usually legal requirements, although clients may expect you to have them.
Do self-employed handymen need public liability insurance?

Public liability insurance is strongly recommended because it protects against claims for injury or property damage.

It may also be required when working for landlords, letting agents or commercial clients.
Does handyman insurance cover every type of work?

Not automatically.

You must accurately disclose all the services you provide, as some higher-risk activities may require specialist cover or may be excluded.