Broad work, broad exposure, the right coverage.
Handyman businesses do a little of everything, which is exactly what makes coverage tricky: the policy has to match the actual scope, exclude nothing you really do, and respect the line between licensed and unlicensed work. Done right, it is affordable protection for a versatile operation.
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Why scope is the core issue
A handyman policy is only as good as its fit to your real work. Carriers often exclude certain trades, electrical, roofing, or structural work, and a claim from excluded or unlicensed work can be denied. The fix is honest disclosure of what you do and a policy whose form matches it, not a generic policy that quietly excludes half your jobs.
The coverage stack
General liability covers accidental property damage and injury, the most common handyman claims. Workers compensation applies if you have helpers or employees. Commercial auto covers the work vehicle, and tools coverage protects your gear. Some jurisdictions or clients require a bond, which we can place.
Contracts, licensing, and certificates
Landlords and property managers often ask for a certificate and additional insured status. Licensing rules vary by state and by the type and dollar value of work, and unlicensed work above a threshold can void coverage. We help you match coverage to your scope and flag where licensing or a bond applies.
Common questions.
What insurance does a handyman need?
Will my policy cover all the work I do?
Do I need a license or bond?
Can property managers require a certificate?
Does your policy actually match your work?
Excluded trades and scope creep are how handyman claims get denied. We check that your coverage fits what you really do.
Cover everything you actually do.
Tell us about your handyman work and we will build coverage that fits the real scope.