Handyman Business Insurance

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From auto accidents to defects in your repair work, your small business is exposed to numerous daily risks. Handyman insurance can cover damage to a company car, legal bills, and more.

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Choose the best rate and coverage

Home repair contractors can compare quotes from top U.S. insurers online with Insureon. Fill out one application to receive multiple quotes.

What types of business insurance do you need for handyman services?

These policies cover common risks of handyman repair and maintenance work.

General liability insurance icon

General liability insurance

This policy covers basic handyman risks, such as accidental damage to a sink during a household repair. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for handyman businesses that have employees. It can cover medical bills for work-related injuries.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage in accidents involving work vehicles. It can also cover vehicle theft, vandalism, and weather damage.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

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.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do handyman businesses need insurance?

From major repairs to household maintenance, you know what it takes to get a job done right. However, even the best handyperson can trip over a ladder or accidentally break an appliance. Handyman insurance can cover expenses related to employee injury, accidental damage to client property, and more.

How much does handyman insurance cost?

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Several factors will have an impact on insurance costs, including:

  • Handyman services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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