facebook pixel
Call now 866-225-1950 Call now 888-819-1228 Call now 855-340-1099 Call now 833-234-8928 Get Quote >

Good Handyman Insurance

Cheap, good handyman insurance is easy to find if you know where to look. Do you need insurance for your handyman business in the  United States? If so, our insurance team at Contractors Liability® is ready to answer some common questions for you and provide you with a free quote.

What is Handyman Insurance?

Accidents are part of what drives your line of work. You’ve seen holes in drywall, sinks dismantled by someone trying to find a lost earring, toilets with plumbing nearly a century old, and much more. But what happens when you cause the problem? When you make a mistake in a professional setting the right insurance coverage will protect you. Access to coverage can prevent you from having to pay directly for any damages.

Roofing Calendar iconSchedule a consultation with an expert

Just 15 minutes of your valuable time

Schedule Now


Get Your Free Good Handyman Insurance Quote Below:

Handyman General Liability Rates for $1 Million/$2 Million Policy

Policy Type Trade State Coverage Guard Travelers Liberty Mutual Next Insurance Nation Wide Tokio Marine
General Liability Handyman IL 1M/2M $1687 $1583 $1683 $2555 $1699 $1300
General Liability Handyman IN 1M/2M $1541 $1400 $1533 $2100 $1543 $830
General Liability Handyman CA 1M/2M $1788 $1650 $1711 $2555 $1790 $1550
General Liability Handyman PA 1M/2M $1594 $1450 $1578 $2100 $1580 $800
General Liability Handyman WA 1M/2M $1399 $1300 $1420 $2100 $1461 $950
General Liability Handyman GA 1M/2M $1378 $1350 $1441 $2100 $1472 $950
General Liability Handyman CO 1M/2M $1392 $1350 $1473 $2000 $1425 $956
General Liability Handyman TX 1M/2M $1296 $1250 $1328 $1950 $1033 $813

Annual premium above includes unlimited certificates of insurance.
Rating assumes 150,000 gross revenues for handyman/general contracting with 10% subcontractor costs.
Premium are subject to underwriting approval and financing charges may apply

What Does Handyman Insurance Cover?

  • Bodily Injury: These injuries consist of any bodily harm suffered by a third party as a direct result of something that you or an employee did.
    • Example: An unsecured faucet handle flies up and hits a customer in the face, causing a black eye and facial bruising.
  • Property Damage: Any alteration that was not originally intended by the requestor is categorized as property damage.
    • Example:A painting job commissioned by a call center accidentally causes damage to that call center’s carpeting, forcing the center to replace it.
  • Personal Injury: This type of injury negatively affects the emotional or reputational state of a party unrelated to the drywall company.
    • Example: Your company takes longer than expected on a bid, causing the company that contracted you to lose business.
  • Advertising Injury: Advertisement injuries are any sort of action taken against a company in a business setting, such as copyright infringement or libel.
    • Example: Your logo was intentionally created to look like a rival’s logo, so now your rival is suing you for copyright infringement.
  • Medical Payments: When a third party is injured because of an event directly related to your company, often you will have to compensate the third party for the resulting medical payments.
    • Example: Improper protection around a water heater you installed causes burns to a client. Their medical bills will be covered by your company.

Best Rates For Your Handyman Insurance

Handyman Insurance cost is directly related to the type of work that your company does. If your company deals with high-risk installations and fixes, you might end up paying a higher rate than someone who does tiling or touch-up painting work. However, many different things are evaluated by insurance companies prior to coming up with an insurance rate. These things include:

      • Your Annual Revenue. The number of jobs your company takes on, as well as the number of employees you retain, are directly correlated to your gross income, as well as the amount of risk associated with your company.
      • Your Type of Business. The risk that is inherent with your business plays a considerable role in determining how much you will pay for a rate. Those with more dangerous roles will inevitably pay more.
      • Age of Company. If you are part of a company that has existed for at least a generation, there is a good reason for insurance companies to lower your rates. A history of trust among customers shows companies that they do not make consistent mistakes. This means there is less of a chance that you will need to file any claims in the future.
      • Personal Preference. Insurance companies can personalize packages for you. Package combinations can sometimes lower your overall rate.

Of course, all contractor will differ. The better insurance agencies go through many more considerations before helping you decide on which policy is best for you. Working with a licensed insurance agent, like the ones at Contractors Liability, is the best way to ensure fair rates.

Handyman Companies Choose Contractors Liability

Get the Ebook Now !

Everything you need to know about Contractors Insurance. 

We Make It Easy!

Give us a call and get a quote in just 5 minutes!

(866) 225-1950

Why you should choose Us?

Our goal is to be a trusted advisor, deliver great customer service and provide excellent value.

Contractors Liability

Best Rates Available

We search for the absolute best coverage and rates available across the industry for contractors Insurance.

Contractors Liability

Satisfaction Guaranteed

Your complete satisfaction is our #1 goal.

Contractors Liability

You Can Trust

We are committed to the highest level of customer service.

attune logo