Handyman / Handywoman Insurance
Coverage built around the realities of handyman work — small jobs, mixed trades, residential and light commercial.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage that may arise from your work
- ✓Damage to a customer's property during a job (e.g. dropped tool, scratched flooring)
- ✓Tools and equipment in transit or on the jobsite (when scheduled on the policy)
- ✓Allegations of completed-operations claims after the job is finished
Coverage products commonly considered
Most handyman / handywoman operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A handyman accidentally cracks a customer's tile during a small bathroom job. The general liability policy is generally intended to respond in the event of a covered claim.
- A toolbox is stolen from a work truck overnight. Inland marine coverage, if scheduled on the policy, is generally intended to address losses of this nature.
Frequently asked questions
Do I need a contractor's license to get handyman insurance?
License requirements vary by state — some states allow unlicensed handyman work below a dollar threshold, others require a license. Some carriers will write coverage without a license; others require one. Verify with a licensed insurance professional.
Does handyman insurance cover work above 30 feet?
Many entry-level handyman policies cap work at 30 feet from grade. Higher work usually requires a different policy form or endorsement.
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