Protect Your Handyman & Home Maintenance Business
Flexible general liability, multi-trade protection, mobile tool coverage, and instant COIs tailored for independent handyman pros, property repair techs, and home maintenance businesses. Compare top trade carriers side-by-side.
Tailored Insurance Built for Handymen & Maintenance Pros
As a handyman, your day spans multiple trades: minor plumbing fixes, drywall repairs, light electrical fixture installs, door hanging, deck maintenance, and carpentry. Generic trade policies often restrict coverage or reclassify you into expensive specialty contractor codes for simple multi-skilled jobs.
We provide specialized general liability, contractor tools floaters, and flexible business insurance explicitly formatted for broad handyman tasks. Win residential jobs, satisfy property management vendor requirements, and download instant digital Certificates of Insurance (COIs) directly to your phone.
Essential Policies for Handyman Businesses
Protect your power tools, work vehicles, helper crew, and customer property against everyday accidents.
Handyman General Liability
Protects your business against third-party property damage or bodily injury claims—such as a client tripping over your ladder or a pinhole pipe leak after fixing a sink.
Contractor Tools & Equipment Floater
Inland marine protection covering cordless power tools, miter saws, ladders, air compressors, and hand tools against theft from your truck, van, or job site.
Commercial Auto Insurance
Essential coverage for service vans, pickups, and work trailers carrying materials, ladders, and equipment to residential and commercial service calls.
Workers’ Compensation Insurance
Covers medical bills and lost wages for helpers or employees injured on the job due to ladder falls, power tool cuts, or heavy lifting strains.
Business Owner’s Policy (BOP)
Bundles General Liability with commercial property insurance to protect your shop, storage garage, inventory, and office equipment at a discounted bundle rate.
Completed Operations Coverage
Protects your business long after the job is finished if a cabinet mounting fails, a door hinge slips, or a ceiling fan install causes subsequent structural damage.
Home Maintenance Tasks We Insure
Comprehensive coverage for general home repairs, property turn-overs, and light structural maintenance.
Handyman Insurance FAQs
How much does handyman business insurance cost?
General liability for sole-proprietor handymen typically ranges from $25 to $65 per month. Premiums depend on annual sales, job scopes, trade mix, location, and desired coverage limits (e.g., $1M vs. $2M limits).
Are minor plumbing and electrical work covered under handyman insurance?
Yes, provided the work falls within standard non-licensed minor maintenance limits (such as changing a faucet, replacing light switches, or hanging ceiling fans). Major structural electrical panel upgrades or main line plumbing re-routes require licensed specialty classifications.
Are tools covered if stolen out of my work truck or van?
Standard auto or general liability policies do not cover stolen tools. Adding an Inland Marine (Contractor’s Tools & Equipment Floater) protects your drills, saws, hand tools, and test gear against theft or damage wherever you store or transport them.
How quickly can I get a Certificate of Insurance (COI) to show clients?
Instantly. As soon as you complete your purchase, you can generate, email, or download unlimited PDF Certificates of Insurance 24/7 directly to your phone or laptop.
Does handyman insurance meet state licensing and contractor registration rules?
Yes. We configure policies to satisfy state registration, local municipal permit requirements, and commercial vendor management platforms with official proof of coverage.
Do I need Workers’ Comp if I work completely alone as a handyman?
If you are a solo owner-operator, state laws often allow you to exempt yourself. However, many commercial property managers or general contractors still require a Ghost Workers’ Comp policy or waiver before letting you on site.
Does general liability cover damage to the item I am actively repairing?
Standard general liability covers surrounding property damage caused by an accident (e.g., water damaging a floor), but not the specific faulty part being installed. Adding Care, Custody, and Control (CCC) coverage expands protection to the item being worked on directly.
Can I get short-term or pay-as-you-go handyman insurance?
Yes! We offer flexible payment plans, including monthly pay-as-you-go options and short-term policies so you only pay for coverage when actively taking on jobs.
Protect Your Handyman Business Today
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