Handyman Insurance

Save up to 25% on handyman insurance for liability and more.*

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Handyman business insurance could help protect you from

The costs of accidental damage to someone else’s property

If you or your workers accidentally damage a client’s home or office, the repairs could cost you.**

Financial liability if someone gets hurt

If you, your worker or someone passing by suffers bodily injury on a job and you’re asked to pay their medical bills.

Claims of work mistakes

A customer seeks damages for your professional mistake that cost them money and they try to recover their financial loss.

Legal defense costs

Business insurance could help cover legal defense costs if you’re sued over a job-related claim.

Get business insurance for a handyman that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Handyman insurance could help protect you, your company and your employees (if you have them) from the cost of unexpected events.

ERGO NEXT Insurance makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in handyman insurance coverage

Handyman insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

Handyman General Liability insurance

Protection for damage to other people's property and injuries to non-employees

Handyman liability insurance is not always required for licensure in most states. But even if it’s not a legal necessity, it’s common for clients to ask for proof of coverage before you can submit a bid or take on a job. General liability insurance could help provide financial protection if someone other than an employee gets hurt while you’re at a job, or if your business is blamed for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Contractor’s Errors and Omissions insurance (Contractor’s E&O)

To help protect you from errors and mistakes at work

Contractor’s errors and omissions coverage for a handyman business could help you defend yourself if you’re accused of making a workmanship mistake that causes someone to lose money. For example, if you’re accused of improperly installing a door and a deadbolt, your handyman errors and omissions policy could help cover your related expenses for replacement.

professional liability can help you pay for:

Workmanship mistakes

Legal defense costs

Legal judgments

Commercial Auto insurance

Financial help after accidents while driving for work

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

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental vehicle reimbursement

Workers’ Compensation insurance

For employee work-related injury and illness

If you have employees — even part-time or seasonally — workers’ comp insurance is a required type of business insurance in most states. This protection could help a handyman business pay for employee medical care and lost wages after a workplace injury. Many handyman business owners also choose business owner’s coverage with their policy to give themselves the same protection. Even if you have personal health insurance to cover medical costs, it’s rare for it to cover wage replacement after an injury the way that workers’ comp can.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Tools and Equipment insurance

Protection for your gear and equipment

Tools and equipment coverage, also called inland marine insurance, is an add-on to our general liability insurance for a handyman. This type of liability coverage could help protect your work gear in your vehicle, in a trailer or at a job site. If you regularly travel with work equipment and tools, this type of insurance can offer some protection against damage or theft.

inland marine can help you pay for:

Stolen or damaged tools at a job site

Equipment breakdowns or accidental damage to your tools

Some repair or replacement costs

Commercial Property insurance

For businesses who own or rent physical spaces

If you own or rent a warehouse, storage shed, workshop or office, commercial property insurance could help protect your business equipment, inventory and parts of the building itself. This type of coverage can help shield your business from some costs related to events like fire damage, theft, storm damage, vandalism or a broken water pipe. And if you have to close your space temporarily for repairs after a covered event, property insurance could help replace a portion of your lost income and business expenses, too.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

ERGO NEXT Insurance reviews

NEXT is the BEST

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Chris Reinitz Construction

Best insurance should be your next insurance for your small business

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Great service

Very easy to use site

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Quick service.

They were just there for me instantaneously.

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New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

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Pleased

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consolidating insurance

My sales provider help me thru the process. It was so easy.

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General Liability

Super simple process

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Save up to 25% in discounts on handyman liability insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does handyman insurance cost?

Premiums for handyman business insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of work you do.
The types of clients you have.
Your business location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your handyman business.

How can insurance for a handyman help your business?

You might need handyman insurance to help your business:

Get a handyman license in your state. Many states require liability coverage for licensing.
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.
Cover costs for business property you own or rent. Protect your handyman business property, tools and building space you use for work, like a warehouse, storage shed or workshop.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

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?

Handyman business insurance is designed to protect from a variety of financial losses related to:

Damage you or your workers accidentally cause to someone’s property

If you accidentally shatter an expensive vase while building some shelves for a client, general liability coverage could help cover the costs.

Accidents on your job site that hurt someone (bodily injury)

You post signage and put out cones, but someone trips and falls over the extension cord for your drill. Your general liability coverage could help pay for medical costs and legal fees. But if your employee pulls a muscle carrying lumber and needs physical therapy — and can’t work for three weeks — workers’ compensation coverage could help cover those medical bills and lost wages.

Workmanship errors

A small apartment building claims you installed the wrong carpeting, which needs to be replaced. Contractor’s E&O insurance could help you cover the replacement and defend yourself if you’re sued.

Accidents with your business vehicles

Your work truck accidentally clips someone’s fender. Commercial auto insurance coverage, usually required by law for business-owned vehicles, could help pay for the repairs.

Theft or damage to your tools

Your power tools suddenly go missing mid-way through a project. If you choose to add tools and equipment insurance to your general liability insurance policy, it could help pay for the costs.

Is an ERGO NEXT handyman insurance policy good if I contract for multiple projects?

Yes. As long as the work fits within the description and limits of the policy you buy, you’re covered to work for multiple clients. It’s important to be as accurate as possible when sharing details about the work when you get your handyman insurance quote to make sure you have the right coverage for your business.

I’m a jack-of-all-trades. Which policy will meet my insurance requirements?

If you do minor repair or maintenance services, ERGO NEXT handyman commercial insurance is limited to these types of jobs. Insurance requirements for a handyman are not fit for work that might require a contractor’s license, permit or inspection. If your operations scale larger than handyman work, or if you have a specialty, take a look at our general contractor insurance. 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. Learn more about the difference between a handyman and a general contractor.

How can I get a certificate of insurance (COI)?

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.

What do I need to get an insurance quote online?

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.

How do you file an insurance claim with ERGO NEXT?

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.