Protect Your Remodeling & Handyman Business
Safeguard your client properties, tools, and livelihood. Compare top commercial carriers side-by-side to find broad coverage designed specifically for residential and commercial repair pros.
Why Handymen & Remodelers Need Specific Insurance
Working inside residential homes and commercial spaces exposes you to unique risks—from accidental plumbing leaks behind drywall to property damage during kitchen overhauls. Standard personal policies won’t cover commercial operations or jobsite claims.
Our independent agency works with top carriers to structure policies that fit your exact scope of work. We help you meet landlord, HOA, and homeowner requirements while keeping your overhead manageable.
Essential Insurance Options for Handymen & Remodelers
Build a comprehensive protection package designed around your specific renovation and fix-it services.
General Liability
Covers third-party property damage and bodily injury claims on client premises, along with completed operations protections.
Tool & Equipment Coverage
Inland marine protection covering power tools, ladders, diagnostic gear, and materials stored in your vehicle or on the job.
Commercial Auto
Essential protection for work vans, pickup trucks, and utility trailers carrying equipment between project locations.
Workers’ Compensation
Provides medical coverage and wage replacement for helpers, apprentices, or employees injured on the job site.
Installation Floater
Protects high-value materials like cabinetry, tile, fixtures, or appliances while in transit or awaiting installation.
License & Permit Bonds
Fast bond processing to meet municipal licensing rules and fulfill residential remodeling permit requirements.
Remodeling & Handyman Services We Cover
We quote policies across multiple carrier markets for a variety of residential and commercial specialties.
Frequently Asked Questions
What is the difference between handyman and general contractor insurance?
Handyman policies focus on minor repairs, maintenance, and non-structural work, often at lower premium tiers. Full remodeling or general contracting policies cover structural changes, higher project limits, and subcontractor management.
How fast can I generate a Certificate of Insurance for a client?
Once your policy is bound, our team processes certificate requests quickly—often the same day—so you can show proof of insurance to homeowners or property managers immediately.
Are my hand tools covered if stolen from my truck?
Standard commercial auto or personal auto policies generally exclude personal or business property inside the vehicle. Adding a Tool & Equipment (Inland Marine) rider ensures your tools are covered against theft or damage in transit.
Does General Liability cover faulty workmanship?
General liability covers physical property damage or bodily injury resulting from your work, but it does not cover the cost to repair your own faulty work itself. Adding specialized endorsements or warranties can help bridge specific work-product exposures.
Can I get insurance if I am a sole proprietor with no employees?
Yes, sole proprietors are eligible for standalone general liability and tool policies. You can also purchase ghost or ghost-policy Workers’ Compensation policies where allowable by state regulations to fulfill job-site bidding requirements.
What factors determine my monthly insurance premium?
Premiums depend on your specific service classification, total annual revenue, location, claims history, coverage limits, and whether you perform plumbing, electrical, or structural operations.
Do I need separate commercial auto insurance if I use my personal truck?
Personal auto insurance policies often exclude accidents occurring while driving for business or carrying work inventory. Switching to or adding a commercial vehicle endorsement is critical to ensuring claim coverage.
Are subcontractors I hire covered under my general liability policy?
Independent subcontractors are expected to carry their own liability coverage. You should collect Certificates of Insurance naming you as an additional insured to prevent your carrier from billing you additional audit premiums.
Ready to Protect Your Remodeling Business?
Fill out our quick form above to compare personalized contractor insurance options today.