Insurance for Handyman

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General Liability insurance for a Handyman

General Liability insurance shields handyman businesses against the risk of customer or other third-party injury and property damage. It is sometimes referred to as Commercial General Liability (CGL) insurance or “slip and fall” coverage, and typically covers your legal expenses as well as the cost to remedy the situation, up to the policy limits. Crucially, Handyman General Liability insurance protects you even if a claim made against you has no merit.

Did you Know?

Commercial landlords often require their tenants to have General Liability insurance. You may be asked for proof of insurance before signing a lease.

Why does a Handyman need General Liability insurance?

As someone providing handyman services, you are a “jack of all trades” when it comes to using your hands and solving problems. However, accidents happen, and you need to be prepared if they do.

Consider this scenario: You’re completing work in a customer’s home, and accidentally knock over an expensive vase causing it to shatter. The customer demands that you pay to replace the item. Could you afford to do this from your own pocket?

Handyman General Liability insurance would help protect your business finances from costly claims and lawsuits like this. It also provides coverage for injuries sustained by a third party. So, if a customer is injured due to your alleged negligence on the job, you would also be covered.

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What does General Liability Handyman Insurance cover?

Many incidents can occur in your line of work. As a Handyman, General Liability coverage is potentially the most important insurance policy you can have.

Handyman liability insurance typically includes coverage for:

  • Property damage incurred by a third party (i.e. a customer, vendor or other member of the public)
  • Bodily injury suffered by a third party

 

General Liability for handyman businesses will also cover you against false or baseless allegations. Meritless claims can be expensive to defend yourself against and could be just as financially devastating as a claim that is justified. Handyman liability insurance can help you stay in business if this ever happens to you.

What is not covered?

While General Liability insurance provides important coverage for handymen, it does not shield you from every type of claim you may face. General Liability typically does not cover:

  • Damage to your property or your employees’ property
  • Professional mistakes and errors
  • Employee injury, serious illness or other workers’ compensation claims
  • Intentional damage done to a third-party’s property

 

Your policy documents will include a comprehensive list of what is and is not covered by your General Liability insurance policy. As a business owner, you may need to develop and follow a risk management plan to help avoid unnecessary liability claims being made against your business.

Other cover for Handymen

Coverage for Your Equipment

If you have equipment or materials that you have purchased for your business, it is extremely important to protect these in case of damage.

 

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Who needs Handyman Insurance?

Contractors of all specialties want to shield their small businesses from liability claims that could potentially devastate them financially. Handymen are no different.

  • Self-Employed Handyman Insurance – Owning your own business gives you more freedom, but it also means that you are solely responsible when a liability claim is made against you. General Liability insurance can help you manage some of these risks and provide you with important peace of mind.
  • Commercial Handyman Insurance – The owners and tenants of commercial buildings and facilities depend on you to get the job done. You can depend on General Liability insurance as you work.
  • Handyman Insurance for Businesses – If you run a business that employs multiple handymen, you could be held liable for their mishaps and accidents. A General Liability policy covering your business and employees could help lessen the risk to your wallet.
  • General Liability Insurance for Contractors – It’s not just handymen who want to protect their livelihood! BizInsure also works with General Contractors, Painters, Electricians, Plumbers, Plasterers, and many more.

Handyman Insurance Cost

Premiums (the amount you will regularly pay for your policy) are determined by insurance companies using information about yourself and your business. This means that the cost of Handyman General Liability insurance can vary greatly from one person to the next.

For example, self-employed Handyman Insurance for a sole proprietor will likely cost less than a policy that covers a business with several employs.

Some factors used to calculate General Liability premiums include:

  • Business activities
  • Annual revenue and turnover
  • Employees being covered and their qualifications
  • Past claims history and risk management procedures
  • Amount of coverage sought

Getting quotes from multiple insurers is a good way to gauge how much General Liability insurance will cost for your small business.

Get General Liability Insurance for a Handyman

BizInsure understands contractors, which is why we’ve made it simple and quick to find affordable Handyman Insurance for your small business.

In minutes you can compare policies from A-rated or better insurers and buy online or over the phone. There’s no complicated paperwork to complete, and you’ll receive your certificate of insurance instantly after purchase.

It’s as easy as one, two, three:

  1. Apply online or over the phone – Usually just 10 questions or less.
  2. Compare quotes from industry-leading insurers.
  3. Purchase a policy and get back to work!

If you have any questions or issues along the way, our team of licensed agents are ready to help throughout the life of your policy.

Find General Liability Insurance for handyman businesses today and to start comparing quotes.

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Looking for more information? Learn about Handyman Insurance in Pennsylvania and Handyman Insurance in Ohio.

Frequently Asked Questions

Is Handyman Insurance required to operate a business?

You may need a handyman license to work in certain states, and proof of General Liability insurance may be required before this license is granted. It’s important to check your state and/or local laws to understand your legal obligations before starting a handyman business.

Even if you are not required by law to have General Liability insurance, others that you work with may expect that you be insured. Commercial landlords typically require proof of insurance before leasing workshop space or offices. Your customers and clients may also ask if you are insured, as this can be an important signal that you are professional and trustworthy.

Does General Liability insurance protect my tools and other equipment?

No, General Liability insurance does not protect the tools or other equipment that you use on the job as a handyman. It does cover damage to third-party tools and equipment, such as those belonging to other contractors you may work with or near on a worksite. Additional coverage options may be available to help you protect your tools and equipment from damage, breakdown or theft.

* 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
VALERIE M.
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.
Beth Anne V.
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
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
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.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
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
Brenda J.
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!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
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
Casper M.
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!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
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.
Aileen D.
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.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
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!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
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!
Kristene S.
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.
Dawn T.
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.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
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!!
Josh M.
18:07 22 Jun 18
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.
Allison Y.
17:28 21 Jun 18
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.
Mark W.
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!
Graham B.
22:12 23 Jun 17
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