How to Get Business Insurance for a Handyman Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 hours ago
- 2 min read
Running a handyman contractor business comes with daily risks, property damage, client injuries, tool theft, and potential lawsuits. Whether you handle small home repairs or full remodels, having the right handyman contractor business insurance is essential. The process is simple when you know what information insurers require and where to find the right coverage.
Here’s a clear guide on how to get business insurance for a handyman contracting business.
1. Understand What Coverage Your Handyman Business Needs
Before requesting a quote, identify the policies that apply to your work. Most handyman contractors need:
General Liability Insurance – Covers property damage, bodily injury, and legal fees
Tools & Equipment Coverage – Protects tools from theft or damage
Workers’ Compensation Insurance – Required if you have employees
Commercial Auto Insurance – Needed for vehicles used for jobs
2. Gather the Information Insurers Request
To get a fast handyman business insurance quote, you’ll need:
Business name and years of experience
Description of handyman services offered
Annual revenue and payroll (if applicable)
Number of employees and subcontractors
List of vehicles and tools
3–5 years of claims history
Having this ready speeds up quoting and ensures accurate pricing.
3. Compare Coverage Options, Not Just Price
Cheapest isn’t always best. Look for:
Adequate liability limits
Coverage for all services you offer
Replacement value for tools
Coverage for subcontractors if you hire them
4. Work With an Agency That Specialises in Contractor Insurance
Not all insurance agencies understand the handyman trade. Choosing an agency experienced in handyman contractor business insurance ensures you receive proper coverage tailored to your services.
Get a Handyman Business Insurance Quote From Wexford Insurance
If you want fast, accurate coverage designed specifically for handyman contractors, Wexford Insurance is here to help. We work with insurance companies nationwide that specialise in handyman businesses.
👉 Request a handyman business insurance quote from Wexford Insurance today and protect your business with confidence.
