Insurance for Handymen
Explore insurance for small repair and maintenance work at customer properties.
Online quotes depend on eligibility and underwriting.
Let’s talk insurance.
List the jobs you actually accept
Assembly, minor repairs and property maintenance are not interchangeable with every construction trade. Describe the tasks, heights and equipment involved. Do not assume a handyman policy authorizes work that requires a license or includes all specialist trades.
Think about the property being worked on
Liability for an accident is different from paying to redo poor work or replacing your own tools. Ask how the policy treats the part of a property you are working on and completed work. Include travel between jobs and any employees who help carry out the services.
Coverage to consider
General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.
Commercial auto: Business driving should reflect vehicle ownership, drivers and use. Do not assume a personal policy or premises policy addresses every business trip.
Workers’ compensation: Employee injuries require their own discussion. Explain the duties performed and review applicable requirements before hiring or changing work.
Related business guidance
Opening a business? Read insurance for a new business. You can also browse all industries or find your city in Areas We Serve.
Coverage depends on the policy’s terms, limits and exclusions. An inquiry or online quote does not put coverage in force.
Common questions
Does handyman insurance mean I can perform any repair?
No. Insurance and licensing are separate; review the policy activities and current licensing requirements.
Will liability insurance pay to redo every unsatisfactory job?
No. Workmanship, the work itself and related exclusions need review.
Should I mention jobs above ground level?
Yes. Describe the tasks and working heights accurately.