Handyman Insurance in Kentucky

You can save up to 25% in discounts on business insurance.*

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Tailored, easy and affordable insurance for handyman business in Kentucky

Tailored, easy and affordable insurance for handyman business in Kentucky

NEXT offers a seamless experience with coverage, pricing and customer service that’s designed for handyman business in Kentucky. Insurance packages often include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Tools & equipment
  • Commercial property

You can save up to 25% in discounts on Handyman insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
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
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Easily find a custom Kentucky handyman insurance package that’s right for you
NEXT specializes in small business insurance, so you can easily find a custom insurance package that’s right for your handyman business in Kentucky.
General Liability

General Liability

Protection for the injuries, accidents and damage you cause
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
Contractors’ E&O

Contractors’ E&O

Coverage against business mistakes and claims of negligence
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.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers’ Compensation

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
Tools & Equipment

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.

inland marine can help you pay for:

Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

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
How much does it cost to get Handyman insurance in Kentucky?

How much does it cost to get Handyman insurance in Kentucky?

The exact amount that a handyman business can expect to pay for business insurance depends on a number of factors, including:

  • The kind of work you do
  • How many employees you have
  • The number of vehicles you use for work
  • How long you’ve been in the industry

Business insurance typically costs a handyman business in Kentucky about $22 each month.

You automatically save 10% if you combine more than one type of policy together. For example, if you add a commercial auto policy to your existing general liability policy, you’ll save 10% right off the bat.

What are the Handyman insurance requirements in Kentucky?

What are the Handyman insurance requirements in Kentucky?

From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:

  • Hire people. Kentucky business requires workers’ compensation if you have employees.
  • Drive for work. Business-owned vehicles almost always need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
  • Meet industry standards and state requirements for a handyman business.
  • Grow with your business as you experience fluctuations.

Frequently asked questions about handyman 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.

Does NEXT Insurance offer handyman business insurance in Kentucky?

Yes, NEXT Insurance offers tailored handyman business insurance in Kentucky.

Does NEXT Insurance cover my handyman business insurance in Kentucky for Workers’ Compensation?

Yes, NEXT Insurance covers handyman business in Kentucky for General Liability, Professional Liability, Workers' Compensation, Tools & Equipment, and Commercial Property.

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?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, 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 can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
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More professions that are covered by NEXT

Appliance Technician, Building Sign Installation, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Glazier, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plastering and Stucco Work, Plumber, Roofing, Siding Installation Contractor, Welding, Tile, Stone and Flooring Installer, Waterproofing
*To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.