Handyman Insurance

Handyman liability insurance designed to protect your business

NEXT is a one-stop shop to help you get the handyperson insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability

Workers’ compensation

Commercial auto

Tools and equipment

Commercial property

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We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for affordable handyman insurance and save up to 10% when you bundle.

General Liability

Bought by 95% of business owners like you

General liability insurance provides financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. General liability might be required for a handyman license in your state, and it’s common for clients to ask for proof of coverage. General liability for handyman includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Contractors’ E&o

Bought by 80% of business owners like you

Errors and omissions insurance for handyman business (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of improperly installing a door and someone breaks into the building and steals equipment, your handyman business insurance policy could help cover related expenses.

Contractors’ E&o can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

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Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage for handyman business activities, such as delivering materials to a project.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help handyman business pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees, and you might need coverage before you can get your handyman license. Choose business owner’s coverage with your policy to protect yourself.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your handyman gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance for handymen offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

Tools & Equipment can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

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Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your handyman business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your handyman equipment while it’s on the premises, as well as for the building itself.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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How much does Handyman insurance cost?

Handyman insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on

Where your projects are located

The types of vehicles you use at work

Handymen save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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Handyman insurance requirements

Handymen are often required to have insurance due to the risk of injury and property damage when working on property maintenance and construction projects. You might need insurance to:

Get a handyman license in your state.
Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ compensation — before you can work at their property.
Drive for business purposes. Handyman business-owned vehicles typically need commercial auto insurance and personal auto policies might not cover business driving.
Hire employees or subcontractors. Most states require workers’ compensation from handyman business with employees.
Repair or replace property you own or rent. Protect your handyman business inventory, equipment and even the building that you lease or own.

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Frequently asked questions about business insurance

Here are some of the most common questions we get about handyman insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect handymen and handywomen?

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.

Handyman, General Contractor, Electrician: What Policy Do I Need?

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.

Is this policy good if I contract for multiple projects?

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.

I’m a jack-of-all-trades – what policy do I need?

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.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Handyman Insurance

Handyman liability insurance designed to protect your business

Save up to 30% on Handyman insurance