Handyman Insurance — covered on every job.
Handymen juggle dozens of small jobs — and any one of them can go sideways. We cover the liability, your tools, and the certificates general contractors and property managers ask for.
Coverage you probably need
General Liability
Covers property damage and injuries arising from your work.
Tools & Equipment
Protects the tools you carry from job to job against theft and damage.
Workers Compensation
Required in most states once you hire help.
Commercial / Hired Auto
For your work truck or personal vehicle used on jobs.
Completed Operations
Covers claims that surface after a job is finished.
Contractor’s Bond
Some states and clients require a license or surety bond.
What can go wrong
- A drill slips and damages a client’s wall or floor.
- A repair later fails and causes water or other damage.
- A client or passerby is injured at the job site.
- Tools are stolen from your truck overnight.
- A general contractor requires proof before you can start.
What carriers usually ask
- The scope of work you take on (and what you don’t, like major roofing or heavy electrical).
- Whether you work at heights and how high.
- Subcontractors vs. solo.
- Annual revenue and your trade license, if any.
- Residential, commercial, or both.
Common contract wording
General contractors and property managers commonly require General Liability (often $1M/$2M), Additional Insured and sometimes Waiver of Subrogation endorsements, and a COI before you’re allowed on site.
State notes: Licensing and bond thresholds vary by state — for example, some states require a contractor license above a small per-job dollar amount. We help you line up the coverage your state and clients expect.
Get covered for Handyman Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentHandyman Insurance FAQs
Do I need insurance if I’m a one-person handyman?
Yes. Property damage and injury claims don’t care about company size, and most clients and GCs require a COI before you start.
Are my tools covered if stolen from my truck?
Add Tools & Equipment coverage and they’re protected on the job and in transit.
Can you issue Additional Insured and Waiver of Subrogation?
Yes — these are common contract requirements we handle routinely.
What work might not be covered?
Some high-risk trades (major roofing, heavy electrical) can change eligibility. Tell us your scope and we’ll confirm.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.