Requirements to Get a Handyman Business Insurance Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 hour ago
- 2 min read
If you’re a handyman contractor getting ready to secure business insurance, knowing what information insurance companies require will help you get a fast and accurate handyman business insurance quote. Whether you work full‑time as a handyman or operate a larger contracting business, preparing the right details ensures smooth quoting and proper coverage.
Below are the key requirements insurers typically ask for when quoting handyman contractor business insurance.
1. Basic Business Information
Insurance agencies need essential details to classify your business correctly, including:
Years of handyman experience
Types of services you provide
Service area or states where you operate
2. Revenue, Payroll, and Employee Count
Your annual revenue helps insurers determine your liability exposure, while payroll is used to calculate workers’ compensation premiums. If you employ workers, you will need to provide:
Number of employees
Job duties for each employee
This information is necessary because handyman services often overlap with trades like carpentry, electrical, and plumbing, each carrying different risk levels.
3. Description of Handyman Services
Insurers need a detailed breakdown of your services, such as:
Carpentry
General repairs
Painting
Appliance installation
Light plumbing or electrical
More hazardous services may increase your premium, which is why insurers require clarity.
4. Claims History
Carriers typically request 3–5 years of claims history. A clean record can reduce your premium, while frequent claims may lead to higher rates or limited coverage options.
5. Tools, Equipment, and Vehicle Details
If you need coverage for tools or a work vehicle, be prepared to supply:
Inventory of tools or equipment
Vehicle year, make, model, and VIN
Approximate replacement value
This helps determine if you need tools & equipment insurance or commercial auto insurance.
Get a Handyman Business Insurance Quote from Wexford Insurance
Once you gather your information, the next step is choosing the right agency. Wexford Insurance specialises in handyman contractor business insurance and works with top carriers nationwide to find affordable, tailored coverage.
👉 Request your handyman business insurance quote from Wexford Insurance today and protect your contracting business with confidence.