Common Claim Risks Covered by Handyman Contractor Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 hours ago
- 2 min read
Handyman contractors face a variety of risks every day, from minor property damage to serious injuries. Proper handyman contractor insurance protects your business from unexpected costs and lawsuits that can arise from these risks.
This guide highlights common claims covered by handyman contractor insurance and explains how working with Wexford Insurance ensures your business is fully protected.
Handyman contractors often work on client property, which exposes them to the risk of accidental damage. Common scenarios include:
Scratching floors or countertops during repairs
Damaging walls while installing fixtures
Breaking windows, doors, or appliances
General liability insurance typically covers property damage, protecting you from costly out-of-pocket expenses.
2. Bodily Injury Claims
Injuries to clients, visitors, or employees can happen on the jobsite. Examples include:
A client slips on tools or materials
A ladder falls causing injury
Employee sustains an injury while repairing equipment
Handyman contractor insurance with general liability and workers’ compensation helps cover medical expenses, lost wages, and legal costs if someone is hurt.
3. Vehicle Damage or Accidents
Many handyman contractors use vehicles to transport tools, equipment, and materials. Risks include:
Collisions while driving to a jobsite
Damage to customer vehicles during deliveries
Accidents involving third-party property
Commercial auto insurance is essential for mobile handyman businesses to cover these potential claims.
4. Tool and Equipment Loss or Damage
Handyman contractors rely heavily on tools and equipment. Common risks include:
Theft of tools from job sites or vehicles
Damage to expensive power tools or machinery
Loss of specialty equipment
Tools and equipment coverage ensures your business can quickly replace critical items without a major financial burden.
5. Errors or Faulty Workmanship
Mistakes or poor workmanship can lead to claims from clients, especially on complex projects. Examples include:
Improper installation of cabinets or fixtures
Repairs that fail shortly after completion
Damage caused by unintentional negligence
Optional professional liability insurance (errors & omissions) can cover these claims and protect your business reputation.
How Wexford Insurance Protects Handyman Contractors
Wexford Insurance specializes in handyman and contractor insurance, helping businesses:
Identify the coverage types required for your specific services
Protect against common risks like property damage, injury, and tools loss
Secure Certificates of Insurance for client contracts
Compare multiple carriers for cost-effective policies
Conclusion
Handyman contractors face a wide variety of risks, from property damage and bodily injury to vehicle accidents and tool loss. Proper insurance coverage ensures your business is protected from financial and legal consequences.
Working with Wexford Insurance guarantees your handyman business receives comprehensive, tailored coverage, helping you manage risks, stay compliant, and focus on growing your business safely.
