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.
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).
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).
A surety bond is an agreement between a handyman contractor, a client, and an insurance company. It guarantees the insurer will reimburse the client if the contractor fails to fulfill their contract.
It’s easy to get handyman insurance coverage 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.