Insurance for Handyman in Ohio

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General Liability insurance for a Handyman in Ohio

Sometimes sold as Commercial General Liability (CGL), General Liability insurance protects handymen and other contractors against third-party claims and lawsuits that result from bodily injury or property damage. Your policy will cover your legal costs and compensation to the wronged party. General Liability coverage typically applies whether the claim made against you has merit or not.

Why is handymen liability insurance important in Ohio?

As a handyman, you have to be ready for anything. Your clients come to you for home improvement projects big and small, from installing a new faucet or weatherproofing windows to replacing roof shingles or doing paint touch ups. But are you ready for everyday accidents that could cost your business?

Consider this: You’re working in a client’s home and accidentally knock a stack of fine china plates off the kitchen counter. The client insists that you pay to replace the broken plates, since you were the one who broke them.*

Accidents happen, but you may still be responsible for fixing the situation. Property damage and bodily injury claims made by your clients or other outside parties can ruin your business’ finances, and sometimes your personal ones as well. General Liability handyman insurance in Ohio helps protect businesses against these types of incidents, by taking care of your legal costs and compensation to third-parties.

Did you Know?

Handymen who apply for state or local general contractor licenses in Ohio typically need General Liability insurance to receive a license.

Why become a Handyman in Ohio?

Homeowners reportedly spent $600 billion in 2021 on home improvements, maintenance, and emergency repairs. DIY projects were popular with some, but many people do not have the skill or desire to take on home renovations themselves. Ohio handymen could find themselves in even higher demand if these trends continue.

Data from the Bureau of Labor Statistics (BLS) counted 56,880 general maintenance and repair workers in Ohio in 2020. This includes contractors providing general handyman services. National job growth projections from the BLS forecast growth of 8% for these positions between 2020 and 2030. This is on par with average growth projections for all jobs in the country.

The employment rate for general maintenance and repair workers in Ohio is strong. Interestingly, this extends beyond the state’s largest cities. Steubenville metro area has one of the highest concentrations of these jobs in the country, and non-metro areas in North Northeastern Ohio has one of the highest rates of employment.

Ohio’s general maintenance and repair workers have an average yearly salary of $43,350. This beats the national yearly average of $40,850. However, your annual wage may vary depending on where your work in the state.

Annual average salaries for some Ohio cities:

  • Akron – $43,240
  • Cincinnati – $44,340
  • Cleveland – $43,790
  • Columbus – $44,750
  • Dayton – $43,170

Handyman license requirements in Ohio

The state of Ohio does not require a license for minor repair work that costs less than $1,000. Your handyman services may fall under this category. However, larger projects may require you to have a state or local license. You might consider getting a general contractor license to cover your bases or to expand the services offered by your handyman business.

Though there are different requirements for state and local general contractor licenses, most require you to show proof of your General Liability insurance when you apply. You may also need to maintain a minimum level of coverage to keep and renew your license.

For example, to get a general contractor license in the city of Columbus, you will need to show proof of General Liability insurance with at least $300,000 for damages to a single person and $500,000 for one occurrence.**

**This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your electrician’s license to ensure you are meeting their current licensing requirements.

What does General Liability insurance for a handyman cover?

General Liability insurance provides important protections for handymen. These policies typically cover third-party claims of:

  • Bodily injury
  • Property damage


Your policy will likely cover your legal expenses that are incurred while defending yourself against a liability claim or lawsuit. It will also help cover costs associated with fixing the situation or compensating the party who brought the claim.

Handymen liability insurance coverage applies whether a claim has merit or not. A false or baseless claim can be expensive to resolve. The financial fallout could drain your bank accounts and potentially cause you to close your business. General Liability insurance can help shield your business and personal finances, regardless of whether you are found liable or not.

What is not covered?

General Liability insurance does not cover many events, including:

  • Workplace injuries suffered by you or your employees
  • Damage to your equipment, tools, or personal property
  • Intentional third-party property damage


Please refer to your policy documents for complete details on what your General Liability insurance does and does not cover. You might also consider a risk management plan to help you avoid unnecessary claims and other forms of insurance to further protect your handyman business.

How much does handyman insurance in Ohio cost?

Each handyman is unique, and so is your business. Insurance companies take many factors into consideration when they calculate your General Liability policy premium. Your handyman business will likely differ in some ways from others in your area, meaning you might pay a different amount for your handyman contractor insurance in Ohio.

General Liability premiums are based in part on factors such as:

  • Your experience in the field – How long you’ve worked as a handyman, plus any relevant training or licenses you hold, can impact your premium.
  • Where you work – The geographic area where your business is based can affect your insurance costs. For example, a handyman in Columbus may pay more than a handyman business in a small town.
  • Past claims history – You may be considered more of a risk to insure if you have previous handyman liability claims and may pay more for your policy.
  • Your coverage needs – The more coverage you need or want, the more you can expect to pay for a policy. You may need to have a minimum amount of coverage to hold some contractor licenses.

Since the cost of General Liability insurance depends on your business’ make up and circumstances, getting quotes from more than one insurer can help you understand how much you can expect to pay for coverage.

BizInsure makes it easy to fine handyman insurance in Ohio. In just 10 minutes, you can compare General Liability insurance and buy a policy that fits you needs. Start comparing online quotes now.

Other common trades we cover

More than just handymen in Ohio may benefit from the protection provided by General Liability insurance. We also help cover other types of contractors, including:

Click or call today to compare handyman contractor insurance in Ohio!

Why choose BizInsure for handyman insurance in Ohio?

Handymen around the state, from Columbus to Cleveland, come to BizInsure for their handyman liability insurance needs. Here’s why:

Easy to apply

Answer just 10 questions or less (for most business owners) to get your quotes, and no complicated paperwork to buy.

Top-rated partners

We only partner with A-rated or better insurers with competitively priced policies for Ohio contractors

Get covered quickly

It takes just 5 minutes to quote and 10 minutes to buy, and your proof of insurance will be sent instantly by email.

Quality customer support

Licensed agents are available to help you at every step of the way, online and over the phone.

Why wait? Find handyman contractor insurance in Ohio to meet your small business’ needs. compare quotes online now.

Frequently Asked Questions (FAQs)

Is handyman insurance in Ohio mandatory?

Handymen in Ohio may be required by law to carry General Liability insurance in some circumstances. These insurance mandates typically apply when you hold a specialty or general contractor license.

Ohio handymen must apply for a general contractor if they are performing work that totals $1,000 or more. You may also need other specialty licenses, such as those for electricians or HVAC contactors, if your business offers these specialty or other services. In most cases, you will need to show proof of your General Liability insurance to get general and specialty contactor licenses. You may also need to maintain minimum levels of coverage to keep and renew these licenses.

Please contact the Ohio Construction Licensing Board and your local licensing authority to ensure you are meeting the licensing and insurance commitments in your area.

Even if you are not required by law to have handyman liability insurance, you may need a General Liability policy to rent a commercial office or workshop. If you work as a subcontractor for another company, they may require you to have your own General Liability insurance while you work for them.

Does handyman liability insurance cover my equipment and tools? Does it cover commercial auto?

No, General Liability handyman insurance in Ohio does not cover your equipment, tools, or commercial vehicles. You may seek other forms of insurance to help protect these areas of your small business.

Your General Liability insurance will cover damage to a third-party’s tools, equipment, or vehicles. This can include many members of the public, including your clients, vendors, and delivery people.

What risks does a handyman face on the job?

There are several general liability risks that you may face as a handyman. Following safe work practices can help you avoid unnecessary claims and lawsuits, and General Liability insurance can protect your business if an accident does happen.

Handymen often work in client’s homes and yards. This creates an opportunity for a client to injure themselves due to your negligence or for you to accidentally damage their belongings. These events can lead to a general liability claim or lawsuit where you might need to compensate your client for financial losses they’ve experienced.

You may also face these same risks in your offices or workshop. Other members of the public, such as delivery people and vendors, can also make general liability claims against you.

*The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this webpage is general only. Coverage for claims on the policy will be determined by the insurer, not BizInsure, and will depend on the specific facts and circumstances involved.
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
18:22 22 Jun 21
Done in less than an hour!
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00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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16:34 10 May 21
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18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
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19:04 16 Mar 21
Excellent service and prices.
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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01:52 12 Sep 20
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02:41 27 Aug 20
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Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
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20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
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Great service insurance prices are great for professionals looking to get insurance for businesses....
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21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
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02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
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22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
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01:30 05 May 20
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Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
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Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
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23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
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22:12 23 Jun 17

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