Handyman Liability Insurance for Property Damage &
Injuries
Handyman liability insurance helps cover accidental damage to a client’s property or injuries that occur during your work. If a tool slips and breaks a window, a ladder damages siding, or a client trips over your equipment, liability coverage helps pay for repairs or medical costs.
Many
homeowners, landlords, and property managers require proof of liability
insurance before hiring a handyman.
Handyman Business Insurance Built for Your Trade
Handyman business insurance combines essential protections into one tailored package. It helps cover your tools, equipment, supplies, and day‑to‑day operations.
Whether you work independently or manage a small team,
this coverage ensures your business stays compliant, competitive, and protected
from financial risk.
Coverage Options for Handyman Insurance
We offer the core policies most handymen need to stay protected and meet job requirements:
General Liability (GL) – Protects against third‑party injuries and property damage that occur during your work.
Business Owner’s Policy (BOP) – Combines general liability with property coverage for equipment, supplies, and business contents.
Workers’ Compensation (WC) – Required in most states if you have employees; helps cover medical costs and lost wages after a workplace injury.
Business Equipment Protection (Inland Marine) – Covers tools and equipment while in transit or on job sites, protecting against theft, loss, or damage.
How the process works in three easy steps
1
Complete the App
Complete the 60‑second application
2
Secure your policy
We offer the lowest rate available
3
Flexible options for any business
Choose coverage that fits your business, same day certificates (COI).
Why Choose Us?
Specialized coverage tailored to your business
Trusted by businesses and organizations
Fast, simple, stress‑free policies
- Flexible options for every type of business
- Fast Insurance for AZ Small Businesses
Top questions answered
Our most common questions answered efficiently.
A BOP is helpful for handymen who own or lease a shop, store equipment, or want bundled liability and property coverage. However, many mobile or solo handymen only need general liability and tools coverage. A BOP is optional—not required—but valuable for those with physical assets to protect.
Most handymen start with general liability insurance, which covers property damage and injuries. Many also add inland marine for tools, commercial auto for work vehicles, and workers’ compensation if they have employees.
Costs vary based on your location, business size, and services offered. Most small handyman businesses pay an affordable monthly rate, while those performing higher‑risk work may pay more due to increased exposure.
While not always legally required, most clients, property managers, and general contractors require proof of liability insurance before allowing handymen to begin work. It also helps you win more jobs by showing professionalism and reliability.
