Handyman Business Insurance

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Handyman
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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.

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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 icon

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
Workers’ compensation insurance icon

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 icon

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 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.

BEST FOR
  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Professional liability insurance icon

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
Surety bond icon

Surety bonds

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.

BEST FOR
  • Project delays
  • Loss of key staff
  • Failure to obtain materials
Looking for different coverage? See more policies.

How much does handyman insurance cost?

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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
View Costs

How do I get handyman business insurance?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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