Insurance for Handymen

Handyman Insurance protects individuals offering general repair, maintenance, and odd job services from unexpected events like property damage, tool theft, or injury claims. Whether you’re patching plaster, fixing doors, or maintaining gardens — insurance keeps your business and reputation safe.

Do Handymen Need Insurance?

Absolutely. Handyman jobs may seem low-risk, but they often involve power tools, client homes, and working at heights. A single incident could leave you financially exposed. Insurance gives you peace of mind and protects your business. What’s more, handymen often work across many trades, which increases the risk of something going wrong. Whether you’re tightening hinges, mounting shelves, painting, or assembling furniture, a small mistake can lead to a big liability. We help handymen, maintenance contractors, and general property repairers compare insurance quotes for public liability, tools, vehicles, and accident cover.

Compare Handyman Insurance Quotes

We compare quotes from Australia’s leading insurers for handyman services. Whether you’re a solo operator or subcontractor, get cover tailored to your business needs — fast and easy.

Handyman Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses and workers in your industry. We compare handyman insurance policies from trusted insurers so you can get competitive quotes from CGU, QBE, Allianz, Zurich, Vero, and more — all tailored for general maintenance and handyman work.

What Insurance Does a Handyman Need?

In addition to public liability insurance, which covers handymen and general contractors for property damage or personal injury that a third party suffers as a result of your work activities, the type of insurance you need depends on the services you provide, your tools and other factors. Here are the most common types of insurance for handymen in Australia:

Public Liability

Covers injuries to others or property damage caused by your work. For example, if you accidentally damage a client’s tiled floor.

General Property (Tools Insurance)

Covers the cost of replacing your tools if they’re lost, damaged or stolen — including when stored in your vehicle or on-site.

Personal Accident

If you’re injured or fall ill, this insurance provides a weekly income while you recover. Ideal for sole traders or contractors who don’t receive sick pay.

Commercial Motor Insurance

Covers your work vehicle for accidents and damage. You can also cover tool contents stored in your vehicle.

How Much Does Handyman Insurance Cost?

The cost of handyman insurance depends on factors such as the work you do, your location, your tools, your team and the amount of cover required. Most handymen and general contractors find they can get the cover they need with annual payment options generally available, depending on the insurer.

Get Handyman Insurance Quotes

Fill in your details below to receive handyman insurance quotes — including Public Liability, Tools, Personal Accident and more.

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
Full Review to assess what insurances are required by a Insurance Broker

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

Lead Source

Lead Type

Referrer Type

Office

Type

Business Details

What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

InsightID

tfa_accident_cover

tfa_general_property annual

Customise Your Liability Insurance

Preferred limit of Liability

$5M Limit$10M Limit$20M LimitNot sure / Other

Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

$1000 per week Personal Accident$1500 per week Personal AccidentOther

Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

price10m

price20m

price5m_monthly

price10m_monthly

price20m_monthly

Total

Selected Cover Option

Trigger Instant Quote

Quote success

Cover selected

insurance_personal_accident_annual

InsightID

insurance_personal_accident_monthly

Session ID

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

Session ID

Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
Have you had any Business or Personal Insurance claims in the last 5 years?
Within the last 5 years, have you ever been charged or convicted of a criminal offence?

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

Last Name

Mobile Phone Number

Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

Address Details

Providing your address will allow us to allocate your enquiry to the appropriate team.

Street Address

City

Postal Code

State

Country

Tell us About Your Farm

What is the size of your property?

Please provide additional details about your Farm operations

Upload a copy of your current Insurance Policy Schedule

Save time and upload your current business insurance policy schedule.

Please provide additional details on how we can assist you:

Anything else you would like us to know?

Thank you for choosing Ausure.
Your enquiry has been received and is now with our specialist team.
We’ll be in touch shortly to discuss your insurance requirements and guide you through the next steps.

Expert Knowledge

A professional broker ensures you have ta suitable level of cover for your unique needs, giving you peace of mind with a tailored insurance program.

Save Time and Money

An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.

We Are On Your Side

Your Ausure broker ensures you have adequate cover and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance Do Handymen Need?

Many handymen choose $10 million in Public Liability cover, though some start with $5 million. Consider:

- Are you working for real estate agents or builders?
- Do you do any electrical, plumbing or structural work?
- Do you enter client homes or businesses?

FAQs About Handyman Insurance

Can I get insurance if I do a bit of everything?

Yes — just list your services and we’ll help you get a policy that fits.

Is ladder work covered?

Yes — provided it’s within normal residential height limits (typically under 3 metres).

Can I pay monthly?

Yes, most insurers allow monthly payment plans.

Are ride-on mowers and trailers covered?

Yes — these can be added to your general property or vehicle insurance.

What are some examples of public liability claims?

Examples of real public liability claims include:

Scratched Floorboards: A handyman scratched polished timber flooring while installing cabinetry. The cost to sand and refinish the entire area was $3,500 — paid by Public Liability Insurance.
TV Wall Mount Mishap: A TV wall bracket installation failed, causing the television to fall and damage a wall. The claim was $2,700 — fully covered.
Ladder Injury to Homeowner: A client fell off a ladder the handyman left open and unattended. The insurer paid over $12,000 in medical and compensation costs.

Handyman Insurance Australia-Wide

Ausure helps handymen throughout Australia find insurance policies for your business. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), VIC (Victoria), or WA (Western Australia), we can connect you with handyman insurance through our key insurance partners.

What makes Ausure the right choice for your Handyman Insurance?

Specialised cover for maintenance and odd jobs
Fast quotes from top insurers
Help with tools, vehicles, and accident protection
Real people to assist with claims and advice
Option to pay monthly or annually

Our Story

Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles

Handyman Insurance

Get suitable handyman insurance cover at an affordable price for your business.