What Handyman Contractor Business Insurance Actually Covers

Handyman work involves a wide range of services, from minor repairs and painting to light electrical, carpentry, plumbing, and home improvement projects. With such variety comes risk. That’s why handyman contractor business insurance is essential for protecting your business from unexpected costs, accidents, and lawsuits.

If you’re shopping for coverage, it’s important to understand what handyman insurance actually covers. Here’s a clear breakdown to help you choose the right protection.

General Liability Insurance Coverage

General liability Insurance is the foundation of most handyman insurance packages. It protects you from the most common risks, including:

• Accidental property damage (e.g., breaking a window while repairing trim)

• Bodily injury to clients or third parties

• Legal defence fees

• Claims related to completed work

For example, if a client trips over your toolbox and suffers an injury, liability insurance helps cover medical bills and legal costs. Many homeowners and general contractors require proof of liability coverage before hiring a handyman.

Coverage for Tools and Equipment

Handyman contractors rely on tools daily. Unfortunately, tool theft and job site damage are extremely common. Tools and equipment insurance covers:

• Stolen tools from your vehicle or job site

• Tools damaged by fire, weather, or vandalism

• Replacement cost for essential equipment

Without this coverage, replacing tools can become a significant financial setback, especially for contractors using specialised or high‑value equipment.

Workers’ Compensation Insurance

If you have employees, most states require workers’ compensation insurance. It covers:

• Medical expenses

• Lost wages

• Rehabilitation

• Disability benefits

This protects both you and your employees if an injury occurs on the job. Even if you use subcontractors, many insurance carriers require proof of workers’ comp to ensure proper risk protection.

Commercial Auto Insurance

If you use a work van or truck to transport tools and visit job sites, you need commercial auto insurance. Personal auto policies typically exclude business use, leaving your business unprotected if an accident occurs while working.

Commercial auto insurance can cover vehicle damage, liability from accidents, and medical expenses associated with a collision.

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Get the Right Coverage With Wexford Insurance

The right insurance safeguards your handyman business from costly claims and keeps you compliant with job requirements. Wexford Insurance specialises in handyman contractor business insurance and can match you with the best coverage options from top carriers nationwide.

👉 Request a handyman business insurance quote from Wexford Insurance today and protect your business with confidence.

Frequently Asked Questions

1. How Do You Get Business Insurance for a Handyman Contractor Business?

2. How Much Does Insurance Cost for Handyman Contractors?

3. What Are the Requirements to Get a Handyman Business Insurance Quote?