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Handyman insurance

If you find yourself in a fix, handyman liability insurance protects your work, your bank balance and your reputation. Coverage for multiple trades on one policy.

Get a no-obligation quote now

Quote online and buy in minutes

Get my quote

Affordable insurance

Licensed advisors

No-obligation quote

Customized coverage

Handyman insurance

If you find yourself in a fix, handyman liability insurance protects your work, your bank balance and your reputation. Coverage for multiple trades on one policy.

Get a no-obligation quote now

Get my quote

Affordable insurance

Licensed advisors

No-obligation quote

Customized coverage

Talk to a Hiscox agent in Spanish, from Mon-Fri 9 am - 10 pm ET. Call 1-833-816-2814

en Español

Hable con un agente de Hiscox en español, de lunes a viernes, de 9:00 a 22:00 ET. Llame al 1-833-816-2814

in English

Insurance for handymen (and women)

Leave a minor fix now, you’ll have a major one later. You’re always telling your clients that. So why not take your own advice?

Because your line of work comes with built-in risks. If a client trips over one of your tools and gets hurt, or an unhappy client claims your work was faulty, you could find yourself on the sharp end of a lawsuit. And that’s going to cost you. Ouch.

Luckily, there's an easy way to make sure your business is protected: handyman insurance. If you find yourself in a fix, it can pay your legal costs and compensation if its due.

Why leave it till later? Put your own house in order now. Then you can get on with looking after everyone else's.

What insurance does a handyman need?

General liability insurance + optional BPP insurance

From $42 a month

For claims you damaged someone else’s property, or caused them injury (including slander or libel). Takes care of medical expenses, your legal defense and compensation, too, if you’re liable.

Add on business personal property (BPP) insurance to protect your tools and equipment on-site.

Get a quote now and buy online today.

Professional liability (errors & omissions) insurance

From $71 a month

If a client claims your work is faulty and it's cost them money, professional liability insurance can cover your legal costs and damages. Even if a claim is groundless.

Fill out a short, online form and we’ll get back to you with our best quote in one working day.

Buy general liability or professional liability insurance separately. Or, if you need both, buy them as a package. Fill out a short form and we’ll get back to you with our best quote in one working day.

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  • What does handyman general liability insurance cover?

    Bodily injury – a client trips over your power cable while you're working at their house, breaking their arm. Your coverage can pay their medical expenses.

    Property damage – you're replacing internal doors at your customer's home and drop one, smashing a collection of antique figurines. Your coverage can pay for repairs or replacement.

    Personal injury – you're overheard making some snide remark about a difficult customer. They sue you for slander. Your coverage can pay for an attorney to defend you and compensation - if you're found liable.

  • What does handyman professional liability (E&O) insurance cover?

    General liability insurance doesn’t cover claims made over the work you’ve done or the services you provide. That’s what professional liability (or errors and omissions) insurance is for.

    If a client claims you made a mistake, or your work was faulty, and it cost them money it can pay your legal fees and compensation. Even if there are no grounds for the claim.

    And because customers can sue you whether you made a mistake or not, that makes professional liability insurance a pretty handy tool.

  • How much does handyman insurance cost?

    Our policies are designed with small business and start-ups in mind. So there’ll be a price to suit your pocket even if you’re a one-man band.

    Our general liability insurance starts from $41.66 a month. A professional liability policy from as low as $70.83 a month.

    However, policy prices vary from business to business. The price you’ll pay for your coverage will depend on things like:

    • the size of your business
    • its location
    • the limits you choose.

    Choosing a higher deductible (the amount you’ll contribute towards the cost if there’s a claim) will reduce your premium. Just be sure you could actually afford to pay that amount if you have to.

    Whatever the cost, there’s a package to suit your particular business needs. And payment options, too. Pay annually, or spread the cost and with quarterly payments – the choice is yours.

    As for the amount of cover you need, it’s always best to over-estimate. Think worst-case scenario. Then pick a figure you can sensibly afford.

What other kinds of insurance do handymen need?

Business owner's policy (BOP)

From $41.67 a month

Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:

  • Equipment breakdown
  • Money transfer fraud
  • Electronic data loss.
More info

Business personal property insurance (BPP)

If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.

More info

Cyber liability insurance

If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.

More info

Workers' compensation insurance

Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

More info

Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.

To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.

Custom-built coverage. Get a quote fast.

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Prefer to talk?

For help, support or a just quick question, feel free to call me.

I'm Kim - I'm here to help you Monday to Friday, 9 to 5.30 (EST).

My direct line is 978 344 4288.

Kim

Kim Silkes
Account Executive

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