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Handyman Insurance That’s Made Just For You
As a handyman, there’s nothing you can’t fix. From remodeling kitchen cabinets to fixing leaky bathroom pipes, you spend a lot of your time helping customers with projects around the house. Since you work in other people’s homes, you need handyman insurance to keep your business protected.
At Simply Business, we make sure you have the kind of coverage that’s customized for your handyman business. We’ll take the time to understand your business’s risks, so you can enjoy the peace of mind that comes from knowing you’re fully covered.
What Insurance Do Handymen Need?
Handymen face highly unique risks based on the kind of services they specialize in, the location they serve, and the type of projects they take on. That’s why Simply Business makes it easy to tailor your coverage, so you can get exactly what you need.
Start Your QuoteProfessional Liability Insurance for Handyman Professionals
Professional liability insurance - which can also be called errors & omissions (E&O) insurance - is a type of policy that provides coverage in the event a customer claims you were negligent with your handyman services. If your customer decides to sue your business, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to that negligence.
Professional liability insurance usually covers:
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
- Copyright infringement
- And more
Professional liability insurance usually does not cover:
- Third-party property damage
- Personal injuries
- Reputational damage
- And more
General Liability Insurance for Handyman Professionals
General liability insurance - also known as commercial general liability (CGL) insurance - is a type of policy that covers you and your business in case of third-party damages, accidents, and/or lawsuits.
General liability insurance can provide you coverage if:
- You cause damage to a customer’s property. For example, if you accidentally destroy furniture or break an heirloom vase, your handyman insurance can cover the costs of replacing these items.
- You cause an injury. Handyman insurance can cover the costs of the customer’s medical bills and any legal fees, so you don’t have to end up paying with your personal funds.
- You get sued by a client. General liability coverage can cover most costs associated with personal injury lawsuits, up to your policy limit.
General liability insurance usually doesn’t cover your work vehicles, tool theft and/or damage, professional mistakes, and legal disputes with employees. Learn more about General Liability Insurance.
Workers Compensation Insurance for Handyman Professionals
Workers compensation insurance for handyman professionals covers you in case an employee gets sick or injured on the job. Depending on your state, workers compensation insurance is legally required as soon as you hire your first employee, so you’ll need this policy to keep your handyman business compliant with the law.
Workers compensation insurance can cover some lost wages, as well as medical and legal costs associated with the injury or sickness. For example, if an employee falls off a ladder and hurts his back, your policy may cover his resulting medical costs and lost wages while he recovers. If your employee decides to sue you because of the accident, your workers compensation insurance may cover the cost of the claim as well as attorney fees.
Learn more about workers compensation insurance.
How Much Does Handyman Insurance Cost?
If you’re wondering how much handyman business insurance costs, the answer usually depends on several factors, like:
- The size of your business
- How many employees you have
- The location you serve
- The types of projects you specialize in
- And more
Want to find out how much your handyman business insurance will cost? Just click here to answer a couple of questions about your business.