Handyman Insurance

Our handyman business insurance packages are designed to protect you from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

If you’re working in a rental unit and you accidentally shatter an expensive vase, the general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

You put out the appropriate warning signs, but someone still trips and falls over the extension cord for your drill. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A small apartment building claims you installed the wrong carpeting, which causes a loss in rental income. E&O insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You pull a muscle while carrying lumber up a narrow staircase and can’t work for three weeks. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your work truck accidentally clips someone’s fender while backing out of a tight parking spot. Commercial auto insurance coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

An unexpected storm soaks your power tools mid-way through a project. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement and repair costs.

Many professionals like you aren’t quite sure which policy is right for them. Are you a handyman who needs general liability insurance for handyman services, or do you need a policy for appliance installation, or maybe a flooring installer? If multiple categories in our menu fit your business, you should fill out our general contractor insurance application, and check off all the work categories that are relevant to you. If the types of work that you do aren’t included in the application, they’re not eligible for coverage at this time.

Yes. As long as all of the work fits within the description and limits of the policy you purchase, you’re covered to work for multiple clients. It’s important to be as accurate as possible when sharing details about the work you do during the quote process so you have the right coverage.

If you do minor repair or maintenance services, the ERGO NEXT handyman policy is limited to small jobs. It’s not a fit for work that might require a license, permit or inspection. If your operations scale larger, or if you have a specialty, we recommend taking a look at our general contractor policy. Note that all of our business insurance policies require that you have the legally required licenses for the work you do in your state. Be sure to check your local rules to make sure you’re compliant.

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.