Contractors Insurance

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

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most handyman / handywoman operations consider one or more of these coverage types:

General Liability

Tools & Equipment (Inland Marine)

Commercial Auto

Workers Compensation

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 agent.

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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