Insurance for handyman businesses.

General liability, tools, auto, and workers’ comp once you add help, for handymen who fix, mount, patch, and repair in homes and rentals, on a policy that lists the work you actually do.

What handymen usually carry

General liability, $1M / $2M
Tools and equipment
Commercial auto
Workers’ comp, once you hire
Third-party theft bond
Umbrella

Watch for these in a handyman policy

Work outside the classMany handyman policies cover only the work described on them. A job outside that description, like a roof repair or a panel change, can go uncovered.
Trade workSome handyman policies exclude plumbing, electrical, or HVAC work that legally needs a trade license you don’t hold.
Job size limitsSome handyman programs cap the size of any one job or exclude structural work. A kitchen remodel may be outside what the policy was written for.
Tools stolen from the truckTheft from an unattended vehicle is often covered only if the truck was locked and shows signs of forced entry. Tools left in an open bed may not be covered.
TVs and fixtures you mountDropping a customer’s TV while you mount it is damage to property in your care, which most policies exclude. If it falls a week later, that is usually a covered completed operations claim.

What homeowners and property managers ask handymen for

Additional insured for the landlordProperty managers usually ask to name the owner and the management company on your general liability.
Workers’ comp, or proof you work aloneManagers often want a comp certificate, or a signed statement that you have no employees.
Theft coverage for occupied unitsSome managers ask for a bond or crime coverage before you work inside occupied rentals.
Auto liabilityFor the vehicle you drive onto their properties.

Questions handymen ask

Straight answers.

The questions we hear most, answered plainly.

Does a handyman policy cover small plumbing and electrical jobs?

Some cover minor repairs, like swapping a faucet or a light fixture. Many exclude work that needs a trade license or opens walls, so read the classification before you take the job.

Do I need workers’ comp if I work alone?

Usually not by law if you have no employees. Once you pay a helper, even part time or in cash, many states require it, and that pay counts at audit.

Are my tools covered if someone breaks into my truck?

With a tools policy, usually yes, when the truck was locked and there are signs of forced entry. Read the theft wording, since that condition is where most tool claims fail.