Handyman insurance built for you
One application, multiple quotes.
All in one place.
Handyman 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
Handyman 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
Trusted by business owners like you
1M+
customers insured worldwide
100%
free, unlimited access to your certificates of insurance
400+
types of businesses covered
Trusted by business owners like you
1M+
customers insured worldwide
100%
free, unlimited access to your certificates of insurance
400+
types of businesses covered
4.6/5
customer rating on Trustpilot
Not a handyman?
We cover hundreds of types of businesses
Painting and wall covering From $41.67/month*
Remodeling From $56.18/month*
Carpentry From $42.62/month*
General contractorFrom $68.75/month*
Lawn care services From $29.17/month*
Find the perfect fit for your unique needs
Choose a coverage to get started:
General Liability Insurance
From
$41.67
/month*
A foundational coverage for handymen to help handle costs from third-party accidents, property damage, and bodily injury.
Contractor’s Equipment and Small Tools
From
$20.83
/month‡
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that is in transport or stored offsite.
Workers’ Comp Insurance
From
$89.50
/month*
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full or part-time employees. Can also benefit business owners without employees.
Why should I get insurance for my handyman business?
Repairs, maintenance, installation, cleaning – there’s a wide variety of jobs that can come your way. They also can come with a wide range of risks.
Damage to someone else’s property
A hammer falls and cracks a tile floor. A lamp is knocked over as you’re moving in some equipment. A general liability policy can help cover claims and legal costs that may result from accidents in the normal course of your work.
Injury to another person
Accidents are not limited only to someone’s property. If a customer trips over a stray ladder and gets hurt, you could be responsible for medical bills, legal fees, and other costs associated with a claim. A general liability policy could help pay for those types of third-party claims.
Care for sick or injured employees
Some jobs require an extra set of hands, so you may hire an employee or two. If so, you should consider workers’ compensation. It’s often legally required and it can protect your business from costly claims, as well as take care of your trusted helpers if they get sick or injured on the job. Workers’ comp insurance can help cover medical costs, as well as rehab expenses, lost wages, and funeral and survivor benefits.
Even if you do not have employees, we recommend workers’ comp to take care of yourself, especially because many health insurance policies won’t cover workplace injuries.
Damaged or stolen equipment or materials
You need the right tools for the job. But what would you do if your tools, equipment, or materials were stolen or damaged on the way to a job or while stored at a work location? What about your laptop or mobile device that you travel with for work? An equipment and tools policy, also known as inland marine, can help cover the cost to repair or replace them.
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
Answers to more handyman insurance questions
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.
Highly rated carriers. Handpicked for small businesses.
*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.
Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.