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’ll 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 would 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 would 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 will 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 you do as a handyman 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.  

We have a couple of policies that could be right for a jack or jill of all trades! Our Handyperson policy might be the best fit if you offer minor repair or maintenance services. This policy is limited to small jobs and is not a fit for jobs that might require a license, permit or inspection at any point. If your operations are a little bit larger in scale, or if you have a specialty, we recommend taking a look at our General Contractor application, where you will have the opportunity to add coverage from a list of coverable activities. Note: all of our policies require that you have the legally required licenses for the work you’re doing in your state, so be sure to check in to make sure you are compliant.