Handyman insurance that gets the job done

A General Liability policy typically covers the following:

• Bodily injury – If someone slips and falls at your business, this could cover the claim.
• Property damage – If you accidentally damage someone’s property, GL can help cover it.
• Personal and advertising injury – This covers things like libel and slander.
• Medical expenses – Can help with medical bills if someone is injured at your business.
• Legal fees and defense costs – It can help cover certain legal expenses if your business gets sued.
• Product liability – Protects your business against injury claims or property damage caused by one of your products.

Coverage can vary by policy. Whether coverage applies will depend on the facts and circumstances of the occurrence and your policy’s terms, conditions and exclusions.

General Liability coverage limits vary by the insurer you select, but common options include:

• $1 million occurrence / $2 million aggregate
• $2 million occurrence / $2 million aggregate

An occurrence limit is the maximum your insurer will pay for a single claim during your policy year, and an aggregate limit is the total amount your insurer will pay for all claims combined in a policy year. Limits may vary by state and nature of your business.

Inland Marine insurance helps protect the tools and equipment you use on the job – whether they’re in transit, on-site, or in storage. It typically covers:

• Damage to tools and equipment – If your gear get damaged during transport or while working at the job site, this coverage can help cover repair or replacement costs.
• Theft of tools and equipment – If your tools are stolen from a locked vehicle at a job site, the policy may reimburse you for the loss, up to the coverage limit.

Coverage can vary by policy. Whether it applies depends on the specific circumstances of the occurrence and your policy’s terms, conditions and exclusions.

Coverage limits for Inland Marine insurance typically range from $1,000 to $50,000. You’ll be able to choose the coverage amount that best fits your needs during the application process.

Workers’ Compensation helps cover injuries or illnesses that happen while an employee is doing their job – whether on-site or off-site, as long as it’s within the scope of work. Certain policies provide the option to include the business owner as well as any employees.

It typically covers:

• Workplace injuries – From accidents, equipment use, or physical strain.
• Occupational illnesses – Like exposure to toxic chemicals or repetitive stress conditions.
• Serious incidents – Including workplace violence, natural disasters, or even terrorist attacks that occur on the job.
• Fatalities – Provides death benefits to the employee’s family.

Benefits may include:

• Medical treatment
• Partial wage replacement (based on the severity and duration of the injury or illness)
• Death benefits (rules vary by state)

Coverage can vary by policy. Whether it applies depends on the specific circumstances of the occurrence and your policy’s terms, conditions and exclusions.

Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. As for other self-employed handyman insurance requirements, we recommend checking with your state and local governments.

If you’re thinking of buying business insurance, we want to make it easier for you.

We think it’s helpful to have an idea about your annual revenue and payroll estimates as well as information about any previous insurance before you get started.

Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your equipment and tools, we can help find the coverage you need for your handyman business.

We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.