Best Insurance Policies for Handyman Contractor Businesses
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 hours ago
- 2 min read
Handyman contractors tackle a wide variety of tasks, repairs, maintenance, installations, and light remodelling. With so many service categories, the risks can vary greatly. That’s why choosing the best insurance policies for a handyman contractor business is essential to protect your company from financial loss, lawsuits, and job site accidents.
Below are the core insurance policies every handyman business should consider before taking on clients or larger projects.
1. General Liability Insurance
General liability insurance is the most essential coverage for any handyman business. It protects against:
Third‑party bodily injuries
Property damage caused during a job
Legal fees and settlements
Damage from completed work
Many homeowners and general contractors won’t hire a handyman without proof of liability insurance. General liability is often the first required policy for small service businesses.
2. Tools and Equipment Coverage
Handymen rely heavily on tools, drills, saws, ladders, plumbing tools, and more. Tools and equipment insurance covers theft, fire damage, vandalism, and other unexpected losses. Because tool theft is a common issue at job sites, this coverage helps prevent expensive setbacks.
3. Workers’ Compensation Insurance
If your handyman business has employees, most states require workers’ compensation insurance by law. This policy covers:
Medical treatment
Lost wages
Disability benefits
Rehabilitation costs
Even if you only employ part‑time helpers, workers’ comp is essential to avoid penalties and financial liability after an accident.
4. Commercial Auto Insurance
Many handymen use vans or trucks to transport tools and supplies. A personal auto policy typically does not cover business use. Commercial auto insurance protects you from accidents, theft, liability claims, and property damage when your vehicle is used for work.
5. Professional Liability (Errors & Omissions)
If a client claims your work caused financial harm, such as faulty installation, poor repairs, or work delays, professional liability insurance can help. This coverage is growing in popularity as handyman contractors take on more diverse services.
Get the Right Handyman Insurance With Wexford Insurance
Choosing the right insurance policies can feel overwhelming, but you don’t have to figure it out alone. Wexford Insurance specialises in handyman contractor business insurance and works with top insurance carriers nationwide.
👉 Request a handyman business insurance quote from Wexford Insurance today and protect your business with confidence.
