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  Additional Insured Included:   YES
  Free Certificates:   YES
  Payment Options:   YES     (Pay in Full OR Payment Plans)
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  Coverage Limit Minimum:   $2,000,000 / $2,000,000 / $1,000,000

 


 

Any business whether starting up or existing has commercial insurance needs to address.  A handyman or jack of all trades you are exposed to many different types of risks.  Having Handyman Insurance in place can help protect you and your business from claims of bodily injury or property damage which could result in financial chaos for your handyman business.

The first piece of insurance that needs to be put in place is
general liability insurance.  In fact, many states require a handyman to have liability insurance for their business.  The minimum requirements vary and you should check with your state department of insurance for guidance as well as a licensed agent. 

Even though there are minimum requirements, it makes sense to look at higher coverage options.  Depending on the areas in which you work and the type of work performed, the monetary risk exposure may be quite high. 

The second insurance is property insurance which often is combined with the general liability insurance and offered as a business owner’s policy or a BOP.  Often, the BOP will also have coverage for your tools and equipment added.

If you have employees, it makes sense and again may be required by your state to add workers compensation insurance.  This coverage will cover lost wages and medical should your employee be injured on the job as well as offer some protection to you as the employer against being sued for that injury.

Don’t expose your handyman business and your assets to unnecessary risk.  Talk with a licensed insurance professional to help guide you through the process of finding the right insurance.  Like any project you tackle, a plan will help achieve the best results.