Handyman Insurance
Quick answer: Handyman insurance usually starts with general liability for injury or property damage you cause on a job, then adds coverage for your tools and equipment, the vehicle you work from, and workers’ compensation if you have employees. Many property managers and general contractors ask for a certificate of insurance before you start work.
As a handyman, you are responsible for fixing…well, pretty much anything, and never really know what challenges you face until you’re doing the job. Handyman Insurance is a smart decision because the risks that are involved working with other people’s property are high and unforeseen incidents can put a halt to your business. If your project is stopped or slowed, competitors have the opportunity to step in and take your customers and your reputation is on the line. Due to the nature of your work, you are also up against the common challenge of being held responsible for damage that you did not do. Even if you’ve taken all precautions, being adequately insurance can assist you in incidents such as those.
We have a number of Handyman specific options available for you to choose from, including:
- Handyman Equipment Insurance
- Handyman Vehicle Insurance
- Workers Compensation (if you have employees)
- Individual health coverage
- And More!
At Lions & Coventry, we understand that expenses cut into the profits you rely on and that many forgo proper insurance coverage for themselves and their business; however, the more you mitigate risk, the more reputable and profitable you will be. If you don’t have insurance yet, you may wonder how much you need, and for what scenarios this insurance can be used. Experts agree that you should get insurance as soon as you can afford it, and to make sure you get enough of it to cover your risks—the minimum amount for a policy is often not enough for proper protection. Lions & Coventry Insurance Services’ goal is to make sure the coverage you receive is affordable and right for your circumstances, and we’ll work with you to find a plan that meets your needs. Contact us today and we will take the time to discover your specific needs and will put together the right Handyman Insurance policy for you and your budget.
Talk to a licensed producer: call (916) 967-7715 or request a quote online. Lions & Coventry Insurance Services, Est. 2009, CA Lic. #0G22084.
Handyman insurance FAQ
What does handyman insurance cover?
Most handyman programs start with general liability, which responds to claims that your work caused bodily injury or property damage to someone else, such as a client tripping over your ladder or a repair that damages a client’s floor. From there you can add coverage for tools and equipment, the vehicle you use for work, and workers’ compensation if you have employees.
What does handyman insurance usually not cover?
General liability is for injury or damage to other people and their property. It generally does not pay to redo your own faulty workmanship, replace your own tools, or cover injuries to your employees, which is what workers’ compensation is for. Work outside the trades you list on your application may also be limited or excluded, so describe every type of job you do when you apply.
Who needs handyman insurance?
Sole proprietors and small handyman businesses that work on other people’s property, especially when a property manager, landlord or general contractor asks for proof of insurance before the job starts. If you hire helpers, most states require workers’ compensation for employees.
What information do I need for a handyman insurance quote?
Have your business name and entity type, the states where you work, the types of jobs you do (and any you do not do, such as roofing or electrical), annual revenue or payroll, the number of employees or subcontractors, any license numbers, the limits your contracts require, and your prior claims history. If a client sent a certificate request, bring it; our COI and additional insured checklist shows what clients usually ask for.
What drives the price of handyman insurance, and how do I get a quote?
Price depends on the work you do, where you work, your revenue or payroll, the limits you need, and your claims history, so we do not publish rates. Call (916) 967-7715 or send your details through our contact page, and a licensed producer will review your operations and shop the coverage with carriers that write handyman risks.
Related coverage: Contractors insurance · Construction insurance · Commercial general liability · Specialty trade contractors · Contact us
Brokerage guidance, not legal advice. Coverage depends on the policy form, underwriting and carrier availability.