Handyman work comes with risks unique to each job site. The right handyman insurance policies protect your business in the event of a ladder accident, tool theft, or customer lawsuit.
Insureon helps you find insurance policies that match the unique risks of repair work.
Fill out our easy online application to get free quotes from top-rated insurers. A licensed insurance agent will help you every step of the way.
These policies cover common risks of handyman repairs and maintenance.
A general liability policy covers basic risks, such as accidental damage to a client's sink. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for handyman businesses.
Most states require workers’ comp for handyman businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
A commercial auto policy covers third-party bodily injuries and property damage in accidents involving work vehicles. It can also cover vehicle theft and vandalism.
This policy helps pay for repair or replacement of a handyperson's hammers, saws, drills, wrenches, and other tools if they are lost, stolen, or damaged.
Professional liability insurance covers legal costs when a handyman contractor is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
Contractors providing handyman services on their own will pay less for insurance than repair shops with several workers.
Factors that affect the cost of handyman business insurance include:
It’s easy to get handyman insurance coverage and surety bonds if you have your business information on hand. Our insurance application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your line of work, whether you provide handyman services independently or hire employees.