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Handyman

Why Businesses Like Yours Need Handyman Business Insurance

Handyman business insurance is important to companies like yours, where injuries, equipment damage, and property damage are all commonplace. General liability or a BOP can cover customer property damage and injuries to non-employees, and you can include add-on coverage for equipment and tool repair or replacement costs if appropriate. To protect your business and employees in the event of on-the-job injuries, you need workers’ comp insurance. And you should have commercial auto insurance if your business owns vehicles. If you have questions about handyman business insurance, contact our helpful insurance experts.

We Cover all Kinds of Repair and Maintenance Professionals, Including:

    • Apartment repair workers
    • Cabinetry experts
    • Craftspeople
    • Drywallers
    • Fix-it experts
    • Handymen
    • Handypeople
    • Interior trim experts
    • Jack-of-all-trades
    • Laborers
    • Odd-job workers
    • Painters
    • Property maintenance workers
    • Repairmen
    • Workmen
Woman cutting board

What Does Self-Employed Handyman Insurance Cost?

Your self-employed handyman insurance cost is determined based on certain characteristics of your business. These include the type of work you do, your location, business size, and claims history. You can get specifics on your self-employed handyman insurance cost by obtaining fast, free, self-service online quotes for the different policies you need.

What are the Different Types of Handyman Insurance?

At biBERK, we offer six different types of handyman insurance for small business owners like you. Depending on the location of your business and other factors, certain policies might be better for you than others.

Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.    

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General Liability insurance

Also known as commercial liability insurance, a general liability policy covers damages and legal costs associated with injury claims by customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including contractors installation, tools & equipment, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with protection for your company’s property. If you own a workshop or have a storefront, a BOP can be an effective  way to get the different coverages you need in one easy-to-manage policy. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policychevron_right

Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Cyber insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive data, like customer credit card information, has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurancechevron_right

Umbrella insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurancechevron_right

Why biBERK for Handyman Business Insurance?

We’re the experts when it comes to small business.

Save time.

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money.

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.

Experienced.

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.

Handyman Insurance Frequently Asked Questions (FAQs)

  • Do I need insurance as an independent handyman?

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    Yes, you do. Even if you’re working solo, you face many of the same business risks as companies do. Consequently, you should have handyman insurance.

  • How much is handyman insurance?

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    Your rate will be calculated using factors like the type of work you do, the size of your company, your claims history, and others. Get a convenient online quote to determine your cost.

  • Are there set handyman insurance requirements?

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    The types of handyman insurance needed and the specifics of those policies vary from business to business. Some customers require that handymen have general liability insurance and/or workers’ compensation insurance before they can perform work on a jobsite. Contact our insurance experts if you have questions about what you need to be fully protected.

Get a Quote Today

See why biBERK is easier and more convenient for handyman insurance when you obtain your free quote online.

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