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Why do handyman businesses need insurance?
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.
Find the right coverage
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.
What types of business insurance do you need for handyman services?
These policies cover common risks of handyman repairs and maintenance.
General liability insurance
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).
BEST FOR
- Customer bodily injury
- Customer property damage
- Product liability insurance
Business owner's policy
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.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
Workers’ compensation insurance
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.
BEST FOR
- Employee medical costs
- Missed wages
- Employee injury lawsuits
Commercial auto insurance
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.
BEST FOR
- Auto accident lawsuits
- Physical damage and collision coverage
- State requirements for auto liability coverage
Contractor’s tools and equipment insurance
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.
BEST FOR
- Equipment less than five years old
- Mobile equipment
- Small tools
Professional liability insurance
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).
BEST FOR
- Accusations of negligence
- Failure to finish a project on time
- Undelivered services
Looking for different coverage? See more policies.
How much does handyman insurance cost?
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:
- Handyman services offered
- Business equipment and property
- Business size and revenue
- Types of business insurance purchased
- Policy limits and deductibles
How do I get handyman business insurance?
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
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.
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