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Insurance for handyman

You can get a $150 Virtual Visa Gift Card^ with a new business insurance policy

Use promo code BUSINESS

Offer ends 28 November 2025. Excludes Motor Trade Insurance. T&Cs apply. Policy must be held for a minimum of 30 days from making the first complete payment.

BUSINESS
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Why might a handyman consider getting Business Insurance?

As a handyman, you may want to consider getting Business Insurance to help protect you and your business from things that can go wrong at work.

Handymen face a range of risks at work every day. Working with things like power equipment, sharp tools, and materials like paint and other chemicals can cause accidental injury or damage. If certain things go wrong during or after a job and a claim is made against you, it could create a number of additional costs for your business. Public Liability Insurance is designed to cover these types of liability claims, including cover for reasonable legal costs if you need to defend yourself in a dispute.

With our Business Insurance, you can choose a level of Public Liability Insurance that suits your business. You may also want to add cover for things like your tools, commercial vehicles and more.

Getting insurance for your handyman business can offer a number of important benefits, such as:

  • Protecting your business in case you accidentally injure someone on a job
  • Protecting your tools in case they are lost, stolen or damaged
  • Providing cover towards legal costs if a claim is made against your business.

What types of handyman businesses can get Business Insurance?

General handyman tasks

We offer cover for businesses that carry out general handyman business activities, such as providing property maintenance and repair. This could include things like appliance installation, lock repair and installation, painting doors, fence repair and installation, and furniture assembly.

If you provide services that require specialised licensing or certifications like carpentry, plumbing, or electrical services, you can instead visit our Carpenters, Plumbers and Electricians pages to learn more about your business insurance options.

What does handyman insurance cover?

Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.

Public liability

For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.

Portable property

Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.

Commercial motor

You can insure the vehicles or trailers used in your business, with different levels of cover available2.

Property

Covers insured property like buildings, contents or stock, for damage from fire, flood, storms and other covered causes2.

Personal accident and illness

This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.

Theft

Covers insured property like business contents and stock from loss or damage due to theft2.

Tax investigation

For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.

Employee dishonesty

Cover for loss of money or goods caused by employee fraud or dishonesty2.

Glass

For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.

Money

Cover for specified business cash, for loss caused by theft or accidental damage2.

Business interruption

Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.

Machinery

Cover for sudden and unforeseen breakdown of your specified business machinery2.

Computer and electronic equipment

Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.

See more

Why choose NRMA Business Insurance?

We're flexible

Mix and match our policy cover options and pay your premium by the month at no extra cost 

We mean business

Speak to our Australian-based consultants specialised in business insurance

We're here to help

Contact us by phone, web chat, at a branch or via our claims helpline

Need your certificates or tax invoice?

There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:

  1. Check your email to see if you received your policy documents on the date of purchase.
  2. Log in to your account and read our step-by-step process on how to find your documents online.
  3. If you don’t have an account, chat to us or call us on 132 818.

A Certificate of Currency is proof that you have an active policy.

A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.

FAQs

Handyman insurance FAQs

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What types of Business Insurance might a handyman consider?

You might want to consider getting Public Liability Insurance for your handyperson business. This is the most common type of insurance for businesses, designed to cover liability claims after certain things go wrong at work, like if a client trips over your tools and injures themselves after you accidentally left them in the hallway of their home.

When you get your Public Liability Insurance, you can also add cover options for your tools, work vehicles and more – so you can cover what matters most to your business.

For more information about what’s covered, read the Product Disclosure Statement (PDS).

How much does Business Insurance cost?

It depends on a number of factors, including the type and level of cover you choose, the type of business you run and how many staff you have.

The quickest way to get an estimate of how much it costs is to get a quote.

Get a quote

Does Business Insurance cover handyman businesses for domestic and commercial work?

Yes, our Business Insurance covers handyman businesses for both domestic and commercial work.

Contact us

Speak to us

Can’t find what you’re looking for? We’re here to help.

Talk to us over the phone or chat to us online.

You can also ask us to contact you about a Business Insurance quote.

Things you should know

^The Virtual Visa Gift Card Offer applies in conjunction with the purchase of a new NRMA Business Insurance, NRMA Professional Indemnity Insurance or NRMA Information and Communications Technology Liability Insurance policy taken out online, over the phone or at a branch between 12:00am AEDT 10 October 2025 and 11:59pm AEDT 28 November 2025. Promo code BUSINESS must be applied to be eligible for this Offer. Policy must be paid for by the policy due date, and cannot be cancelled within 30 days after making the first complete payment. A valid email address must be provided. Virtual Visa Gift Cards can be used in person, online and/or over the phone at retailers that accept the Virtual Visa Gift Card. Offer will not be applied to any renewal of your policy. See the full terms and conditions for the Gift Card Offer.

  1. You can save up to 10% on the ‘base premium’ for the first year when you purchase an eligible new NRMA Business Insurance policy online. The base premium is the premium we have calculated but does not include any government or statutory charges. Any discounts only apply until you reach a minimum premium, so your discount might be limited by the minimum premium (in which case the discount applied may be significantly below the maximum advertised discount). If your base premium is $220 (the minimum base premium for NRMA Business Insurance) you will not receive a discount under this Business Insurance Online Offer. This offer is available on eligible products only, excludes Motor Trade Insurance, Professional Indemnity Insurance, Information and Communications Technology Liability Insurance. The offer may be withdrawn at any time and is subject to its full terms and conditions. When we calculate your premium on renewal, we may limit any increases or decreases in your renewal premium by considering factors like your previous year’s premium. Cover is subject to standard underwriting and policy terms.