Handyman insurance built for you
One application, multiple quotes.
All in one place.
Essential Protection
From
$41.67
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$41.67
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Does a Handyman Need Business Insurance?
From patching drywall and hanging light fixtures to assembling furniture, handyman work is all about variety and precision. Whether you’re a solo fix-it pro or managing a small crew, a single slip of a drill or a stolen toolbox can disrupt your entire schedule. Handyman insurance is designed to protect your specialized tools, your business, and your team, ensuring that a minor mishap on a service call doesn’t derail your hard-earned reputation.
Below are some of the most common types of insurance policies that handyman businesses buy.
What Type of Handyman Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$41.67
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Handyman Insurance Cover?
When you’re juggling several service calls on a tight deadline, even a small oversight can become a major setback. Our policies help protect your handyman business and crew from these common risks:
While mounting a heavy shelving unit, you accidentally strike a hidden electrical line, causing a short circuit that damages the client’s appliances. General liability insurance for a handyman could help cover the cost to repair or replace the client’s damaged equipment and protect you from other third-party damage claims.
A fire at your workshop destroys your specialized power tools and inventory, forcing you to cancel upcoming service calls. A Business Owner’s Policy (BOP) bundles general liability, commercial property protection, and business interruption coverage and can help pay for damages, repairs, and lost income so you can get back to work quickly.
A crew member loses their footing while descending a ladder with a toolbox and suffers a fractured ankle. Workers’ compensation insurance can help cover medical bills and provide wage replacement as your crew member recovers.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp insurance, because many health insurance policies won’t cover work-related injuries.
You arrive at a jobsite and realize your truck door was pried open and your toolbox and cordless combo kits were stolen overnight. Contractors tools and equipment insurance, also known as inland marine insurance, can help pay to replace or repair your stolen or damaged equipment, whether it’s on the move or at a jobsite.
What Does Handyman Insurance Cost
Try our handyman insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Handyman Insurance Coverage Questions
Handyman insurance is a collection of policies that handyman business owners typically purchase.
Most states require that you carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. And some states, such as California and Oregon, have very specific bond or liability limit requirements for handymen to maintain “exempt” status from full contractor licensing. We recommend checking with your state and local governments regarding the handyman insurance requirements you must satisfy.
Even if you don’t have employees, many homeowners, property managers, and commercial clients require solo handymen to carry their own workers’ comp policy before starting a project. This protects them from being held liable if you’re injured on their property. Additionally, because many personal health insurance policies exclude work-related injuries, a solo policy can help cover your medical bills if you get hurt while on a service call.
Once your COI is available, you can access, download, or email your Certificate of Insurance (COI) 24/7 through your Simply Business online account. Whether a homeowner asks to see your COI before you start drywall repairs or you need to provide proof to a property manager for a furniture assembly job, your digital COI should always be available in your mobile wallet or via our online COI assistant.
The cost for your insurance coverage is determined by:
• The type of work you do
• Where your business is located
• Your annual revenue
• The types of policies and limits you choose
Other factors can include your claims history and how long you’ve been in business.
If you’re thinking of buying insurance for handymen, we recommend having the following information on hand when using our handyman insurance calculator:
• The state where you do business
• Your type of business or trade
• Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
Why Handymen Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
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top-rated carriers
We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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