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- info@contractorcover.com.au
Quick, easy, and affordable insurance for handymen
Suitable insurance types for handymen include:
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Instant, Affordable Cover
20+ Years of Experience
270k+ Businesses Covered
Public Liability Insurance is the most important cover for handymen. It is often required before you can start work. It protects you if your work causes injury to someone else or damages their property.
Handyman work covers a wide range of jobs, often on occupied homes and busy sites. Small mistakes can lead to big claims. For example, a ladder could damage a wall, a tool could fall and crack tiles, or a client could trip over your equipment. Even minor jobs can turn into costly claims. Public Liability Insurance protects you when accidents happen on the job.
This cover helps you meet site requirements and protects your income if something goes wrong.
Also known as “Tools and Equipment Cover.”
Your tools and equipment are critical to getting the job done. General Property Insurance protects them if they are stolen, lost, or accidentally damaged. Cover applies whether your tools are on site, in transit, or stored in your vehicle.
Handyman tools are a common target for theft, especially when left in vehicles or on job sites overnight. Accidental damage can also happen during transport or while working in tight spaces. Replacing tools out of your own pocket can be costly and stop you from working. Tools cover helps you replace essential equipment quickly so you can get back on the job with minimal downtime.
If an injury or illness stops you from working, Personal Accident Insurance provides weekly income replacement. This is important for handymen, as physical work, lifting, working at height, and using tools increases the risk of strains, falls, and on-site injuries.
If you cannot lift, climb, drive, or use your tools, you cannot earn an income. There is no sick leave for most handymen. This cover helps keep money coming in so you can pay bills, cover living costs, and focus on recovery without added financial pressure.
Many handymen provide advice as part of their work, even if the job is mainly hands on. If a client claims your advice caused them financial loss, Professional Indemnity Insurance can protect you.
If a client relies on your advice and later claims it was wrong or incomplete, they may seek compensation. Professional Indemnity Insurance helps cover legal costs and claims, adding an extra layer of protection if your work includes advice, recommendations, or written documentation.
If you employ staff, Workers Compensation Insurance is required by law. It covers wages, medical expenses, and rehabilitation costs if an employee is injured or becomes ill because of their work.
For sole trader handymen, subcontractors, and owner operators with no employees, Workers Compensation Insurance is usually not required unless you start hiring staff.
The Australian Tax Office can audit any handyman, regardless of business size. Tax Audit Insurance covers the cost of your accountant’s or bookkeeper’s fees if you are audited by the ATO.
An ATO audit can take time and cost thousands in professional fees. This cover is a low-cost way to protect yourself from unexpected expenses and reduce stress if your tax affairs are reviewed.
Total Premium = Policy Type + Turnover + Risk Level + Claims History
Your final price depends on the type of handyman work you do, where you work, the value of your tools and equipment, your chosen liability limit, and whether you add covers such as personal accident or workers compensation. Cover can be arranged Australia wide.
(for example basic repairs, flat pack assembly, painting touch ups, minor maintenance, small residential jobs)
Typical public liability from $400–$900 per year
(for example work at height, ladder work, decking repairs, bathroom repairs, commercial jobs, frequent use of power tools)
Typical public liability from $900–$2,500+ per year
These figures are a general guide only. Your premium is tailored to the exact work you do, your turnover, equipment value, and the level of cover you choose. A quick quote will give you an accurate price based on your handyman business.
We know contractors need reliable cover without the hassle. That is why over 270,000 Aussie small businesses trust us.
Arranging handyman insurance is fast and straightforward with Contractor Cover. Follow these steps to protect your income in minutes.
Complete our short online form with details about your occupation, income, and the level of cover you want to arrange.
Review available cover options online or speak with one of our Australian-based brokers to compare quotes, benefit periods, and policy features in plain language.
Once approved, your policy can be put in place quickly, with documents issued so you can get back to work knowing your income is protected.
Contractor Cover is the one-stop insurance shop for contractors across Australia.
We understand that contractors require targeted business insurance which offers both value for money and optimal cover. With that in mind, we’ve packaged the most common insurances the average contractor needs into a single policy. This means that you don’t need to waste your time contending with multiple policies – everything you need is included in one convenient package.
Speak with our team today for more information or fill in our easy online quote form.
270k+ businesses covered
20+ years of experience
Instant, affordable cover
Public liability insurance helps protect you if your work accidentally injures someone or damages property. This is the most commonly requested insurance for glaziers, contractors, and subcontractors working on residential or commercial sites.
Typical coverage includes:
General property insurance helps protect your tools and equipment if they are lost, stolen, or damaged. This is especially important for contractors who store tools in vehicles or move between multiple job sites.
Typical coverage includes:
Professional indemnity insurance helps protect you if a client claims your advice, design input, or professional service caused them a financial loss.
Typical coverage includes:
Personal accident insurance provides income support if you cannot work due to injury or illness. This is especially valuable for sole traders who rely on continuous work to maintain their income.
Typical coverage includes:
Tax audit insurance helps protect you from the professional fees incurred when responding to an ATO audit. Even compliant businesses can be selected at random.
Typical coverage includes:
Workers compensation insurance helps protect employees who suffer a work-related injury or illness. This insurance is mandatory for employers in most states and territories.
Typical coverage includes:
Several factors impact how much contractors pay for insurance. Insurers assess your risk level and the nature of your work to determine your premium.
Key influences include:
You should review your insurance at least once a year, or any time your business changes. A quick review helps ensure you remain properly protected.
Common triggers include:
We take your privacy seriously. Your information is stored securely and used only to provide insurance services, issue documents, manage claims, or support your policy. You may view a copy of our full privacy policy at any time, and we are happy to explain how your information is handled.
At Contractor Cover, we’re proud to have a dedicated executive team that brings decades of experience, strategic insight, and an unwavering commitment to supporting Australian contractors.
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Chief Financial Officer
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