Insurance for Handyman

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Better, Regardless of Your Size

Coverage Plans for All Your Needs

BASIC

Essential coverages for your handyman business


General Liability (GL)

From
39
Month
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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Protect your business against service errors


General Liability (GL) + Professional Liability (PL)

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All Basic plan benefits and:

  • Professional negligence
  • Retroactive claims (previous contracted work)
  • Subcontractor errors

PRO

Get protected against employment-related issues


GL + PL + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

CUSTOM

When you have specific requirements


Including Inland Marine, Surety Bond, Commercial Auto, etc.

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We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

Even if you are the sole employee, you need insurance. Every handyman business needs general and professional liability in addition to commercial property. Since you drive to job sites, you also need business auto. If you travel with equipment in your van or truck, you should also have inland marine insurance.

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Frequently Asked Questions

Why does a Handyman need insurance?

A Handyman Business is a valuable service to homeowners and businesses. Individuals that hire handymen have endless lists of projects that they can never accomplish. Handymen are valuable because you often have experience and know-how in multiple areas of expertise. As a handyman, you believe in doing the job right the first time and delivering quality work. That concept should apply internally as well. Set yourself up for success in the beginning by buying business insurance. Insuring your handyman business means you are financially protecting your well-being in the event of claims or lawsuits.

A handyman or handyperson is a person that can fix a variety of items, particularly around the house. Tasks a handyman is usually asked to do can include trade skills, repair work, and a variety of maintenance work.

What risks Handymen could face?

You rely on tools, equipment, and customers to stay in business. Each of these also opens you to many risks on a daily basis.

  • Failure to Complete a Project: Just like contractors, handymen are expected to complete a project on time and within budget. If you fail to do so, customers can file lawsuits claiming you didn’t meet contract obligations or that your failure caused them harm in another way.
  • Injury: Working with tools and equipment leave you privy to serious injuries to yourself, employees, and any nearby individuals.
  • Oversight on a Project: Some projects require more attention to detail than others. If you are tasked with installing a garage door that later malfunctions and damages a car or person, you are responsible.
  • Bad Advice: If you offer advice to a customer that they take but it doesn’t deliver what you said it would, they can hold you financially responsible for any negative impact.
  • Stolen Equipment: Often times handymen leave equipment in their vehicle or at a job site unattended over lunch or overnight. If you return to find your equipment missing or your vehicle is broken into, it isn’t cheap to replace.

How much does Handymen Insurance cost?

The cost of insurance for Handyman Businesses varies across carriers. To calculate your premium, carriers want to know professional experience, qualifications, contract language, and whether you supply materials for projects. You can also request a quote for handyman insurance online today by filling out our easy online application.

Do I need Workers Compensation for my Handyman Business?

If you have employees you need Worker's Compensation, but this depends on the state where you provide handyman services. Usually, the state requires your business to carry Worker's Compensation insurance if you have at least 2 employees. It's a good idea to check your state requirements.

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There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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