Business Insurance for Handyman Services

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Save money by comparing handyman business insurance quotes

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

Handyman businesses can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of insurance do handyman businesses need?

These policies provide coverage for the most common handyman risks.

General liability insurance icon

General liability insurance

This policy covers basic handyman risks, such as 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
  • Libel or slander lawsuits
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 injuries and property damage in accidents involving handyman vehicles, as well as repairs to vehicles damaged by weather or vandalism.

  • 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 handyman'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.

How much does insurance cost for handyman businesses?

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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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Why do handyman professionals need business insurance?

From major repairs to household maintenance, you know what it takes to get a job done right. However, even the best handyman 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.

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