Do Handyman Contractors Need General Liability Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 hours ago
- 2 min read
If you operate a handyman business, general liability insurance is one of the most essential policies you can carry. Whether you complete minor repairs or full home improvement projects, there’s always a chance something could go wrong. That’s why handyman contractor business insurance, specifically general liability coverage, is critical to protecting your business, your finances, and your reputation.
Below is a detailed look at why every handyman contractor should have general liability insurance before stepping onto a job site.
What General Liability Insurance Covers
General liability insurance protects your business against common risks that can lead to expensive claims, including:
Third‑party bodily injury (e.g., a customer slips on your equipment)
Legal defence and settlement costs if you're sued
Damage from completed jobs if work fails or causes harm
For example, if you accidentally damage a homeowner’s flooring while installing new fixtures, general liability helps cover repair costs and keeps the situation from draining your business finances.
Why Handyman Contractors Need This Coverage
Handyman work spans multiple trades, carpentry, repairs, painting, drywall, installations, each involving inherent risks. Even with experience, accidents are unpredictable.
Many job site incidents happen due to simple hazards like falls, tool misuse, and unexpected structural issues. General liability insurance is designed to protect your business from these everyday risks.
Additionally, many residential and commercial clients require contractors to carry liability insurance before starting work. Without it, you may lose job opportunities or be unable to secure contracts from property managers, real estate companies, or general contractors.
Protecting Your Reputation and Your Wallet
One claim without insurance could cost thousands in medical bills, property repairs, or attorney fees. General liability insurance ensures:
You remain professionally credible
Clients feel confident hiring you
You avoid paying out‑of‑pocket for costly claims
Your business stays compliant with client requirements
For many handyman contractors, general liability is not only good practice, it’s essential for staying competitive.
Get General Liability Coverage Through Wexford Insurance
If you’re ready to protect your handyman business, Wexford Insurance specialises in handyman contractor business insurance and works with top carriers nationwide. We help you get the right coverage at a competitive price.
👉 Request your handyman business insurance quote from Wexford Insurance today and secure the protection your business needs.
