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Handyman insurance

Handyman Insurance

Save up to 30% on business insurance
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Business insurance for handymen and handywomen has never been easier

Next Insurance streamlines business insurance with coverage designed for the self-employed and small businesses
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Get covered in less than 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Do it all 100% online or talk to a licensed U.S.-based advisor

Handyman insurance designed to protect your business

Next Insurance is a one-stop-shop to help you get the handyman 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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A one-stop-shop for handyman business insurance

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

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 includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.
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What is covered in general liability
Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners who 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
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What is covered in commercial auto
Property damage
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance can help 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.
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What is covered in workers' compensation
Medical care
Lost wages
Employer liability
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t have real estate and your tools are worth less than $10,000 you can buy tools & equipment insurance instead of commercial property insurance. This coverage is available as an add-on to our general liability insurance.
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What is covered in tools & equipment
Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
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.
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What is covered in commercial property
Damaged or stolen property
Lost income
Operating expenses

Save up to 30% on Handyman insurance

Choose from three levels of protection to get the coverage you need
You can pay for your insurance monthly or annually and you can cancel instantly at any time.

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. 

Learn more about handyman insurance costs and coverage.

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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. 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.
  • Repair or replace property you own or rent. Protect your 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 insurance 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 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 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.  

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.