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Liability Insurance for the handyman is often overlooked. As a handyman, you take care of numerous home projects. You patch walls, repair plumbing, and carry out electrical repairs among other things. Due to the nature of your work, you may wonder if Handyman Insurance is relevant? In this quick guide, we will look at four reasons why Liability Insurance will help your Handyman Business.

Liability Insurance Because Accidents Happen

People call you to fix their problems. However, something may go wrong while you work. A ladder may fall onto the next house, or a child may trip over your tool belt. So how do you protect your business in case of third-party injury or property damage?

The financial costs of those accidents can bring down your business and destroy your reputation. General Liability Insurance will protect you from financial setbacks and cover any legal fees.

4 Reasons To Have Liability Insurance 

  • To Cover Property Damage Claims

Handyman Insurance is very helpful in cases where damage caused is expensive to repair. It covers damage to third-party property. Imagine that you are working on a client’s roof. You hear a crash and realize that your ladder fell onto a neighbor’s car.

General liability policies offer coverage either per occurrence or on aggregate. A typical Liability Insurance for the handyman policy will have the following coverage:

  • General liability per occurrence with $1,000,000 limit per claim
  • General liability with an aggregate limit of $2,000,000 limit
  • Advertising Liability with $1,000,000 limit
  • Products and completed operations with a $1,000,000 limit


  • To Cover Third-Party Bodily Injury Claims

Suppose a client falls over your tool box and injures himself. They may file a claim for financial loss as a result of injuries sustained. Your business could be responsible for lost wages or medical fees. 

Liability Insurance for the handyman covers injury claims linked to your operations or products. It’s important to note that this cover doesn’t cover personal or employee injury.  A seperate workers compensation policy covers this.

  • To Cover Damage To Premises Rented to You

Once you rent or lease space, your business is held liable for any damage to the premises. Let’s face it, a handyman’s tools and equipment are often heavy and can end up being dragged across the floor, while others could be corrosive.

If you ever want to change your business’ location you will be required to pay for damages. This will likely put a dent into your profits.  Handyman Insurance will cover any damages, allowing you to keep growing your business.

  1. Liability Insurance For The Handyman covers advertisement mistakes

In order to improve your online presence, you may post a video of your team working. The content may mention various brand names.  A few days later you receive a call alleging that your content has infringed on copyright.

This policy stands between you and very costly liability lawsuits.


Liability Insurance for the handyman not only allows your business freedom to grow. It adds credibility to your work. The points highlighted above are just a few benefits of General Liability Insurance.

Stop The Worry And Call Today

You no longer need to spend time worrying about accidents or whether you are adequately covered. We would like to help you protect your business from loss with our Handyman Insurance. To get in touch with Contractors Liability call 888-676-0923 and get insurance you can depend on.

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