Home repair and maintenance businesses
Handyman insurance for home repair and maintenance businesses
Handymen do a little of everything, from fixing doors and patching drywall to hanging fixtures and building small decks. Kaufman Insurance Group compares handyman insurance from multiple companies and helps you find a policy that matches the work you actually do.
- Liability coverage for many types of small jobs
- Protection for tools in your truck or trailer
- Certificates for property managers and homeowners
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare handyman insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What handyman insurance is
Handyman insurance is business coverage for people who do general repairs and small projects in homes and businesses. It usually starts with general liability, which helps pay if your work injures someone or damages a customer’s property.
Because handymen do many kinds of work, the details matter. Insurance companies usually ask exactly what tasks you perform. Some companies limit certain work, such as roofing, major electrical, or gas line work, or treat it differently. Describing your work accurately helps make sure your policy covers the jobs you take on.
Many handymen also work for property managers and landlords, who often require a certificate of insurance before they send you to a property. Having the right coverage in place can help you win that work.
Common handyman tasks
Drywall repair, painting touch-ups, fixture and appliance installs, doors, trim, and small carpentry.
Work that may need special review
Roofing, larger electrical or plumbing jobs, and structural work. Tell us if you do any of these.
Know what you are choosing
Coverages handyman businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage caused by your work at a customer’s home or business.
Tools and equipment
Helps replace tools stolen from your truck, trailer, or a job site, or damaged on the job.
Commercial auto
Covers the truck or van you use for work, which a personal auto policy may not.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Business owners policy
For some handymen with a shop or storage space, a package of property and liability coverage.
Umbrella or excess liability
Higher liability limits when a property manager or contract requires them.
Is it right for you
Who we help
We help handymen at every stage, from side businesses to full-time companies with a crew.
Solo handymen
One-person businesses that need liability coverage and certificates.
Handyman companies with helpers
Businesses with employees or regular helpers on jobs.
Property maintenance providers
Handymen who work for landlords, property managers, and HOAs.
Retired tradespeople
Experienced trades workers doing smaller jobs in retirement.
Need a certificate for a property manager this week? An agent can help you get covered.
How Kaufman helps
How we help handyman businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the specific tasks you do, any work you avoid, your revenue, your helpers, and your vehicle.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Handyman Insurance questions
What does handyman insurance cover?
Handyman insurance usually starts with general liability, which helps pay if your work injures someone or damages a customer’s property. You can add coverage for tools, vehicles, and employees.
Will my policy cover every type of job I do?
Not necessarily. Policies are based on the work you describe. If you take on work outside that description, such as roofing or major electrical, it may not be covered. Tell us about all the work you do.
Do I need insurance if I only do small jobs?
Even a small job can lead to a big claim, such as water damage from a faucet install. Many customers and property managers also require proof of insurance.
Does general liability cover my tools?
No. General liability covers injuries and damage to other people and their property. Your own tools and equipment need separate coverage, often called inland marine or tools and equipment coverage.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Remodeling contractor insurance
Coverage for larger renovation projects.
Explore remodeling insurancePainting contractor insurance
Coverage for interior and exterior painters.
Explore painter insuranceGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a handyman insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.