Handyman Insurance: What You Need to Know and How to Get It

You’re a handyman who can do it all. Over the years, you developed the skills and acquired the tools to tackle any home improvement project, big or small. You love helping your CNY customers fix their problems and make their properties better. Because you’re good at what you do, you’ve been landing more jobs, and your reputation is growing.

But being a handyman comes with risks. You never know what might go wrong on a job site, or what kind of liability you might face if something does. You could damage someone’s property, injure yourself or someone else, or get sued for negligence or breach of contract. And if you’re not properly insured, you could lose everything you’ve worked so hard for.

That’s why you need handyman insurance.

Handyman insurance is a type of business insurance that covers you for the specific risks you face in your line of work. It can protect you from financial losses due to accidents, injuries, lawsuits, and more. It can also give you peace of mind and confidence to grow your business and take on more projects.

Small business insurance in CNY is our specialty. We have extensive experience in providing policies for handymen like you. We can help you identify the essential coverages for your trade and the optional ones that might suit your needs.

In this article, you’ll learn how handyman insurance can protect you from the common risks and liabilities you face in your trade, how to find the best policy for your needs and budget, and how we can help you get insured quickly and easily.

So let’s get started!

Why Most Insurers Don’t Cover Handymen and How We Can Help

As a handyman, you never know what kind of job you might get called for. One day, you might be fixing a leaky faucet or a broken window in Herkimer. The next day, you might be zipping over to Lewis County to install a ceiling fan or a new door in Lowville. You might even be doing some carpentry, painting, or landscaping work throughout CNY.

You might have noticed that finding insurance for your handyman business is not easy. That’s because many insurers are reluctant to cover a jack-of-all-trades like you. They prefer to insure businesses that specialize in one service, such as

• flooring,
• painting,
• drywall,
• masonry,
• HVAC,
• or another specialty

They think that handymen who do all of these and more are too risky and unpredictable.

They don’t understand the scope and the value of your work. That’s also why some agents might ignore your calls or fail to give you quotes. They don’t have the resources or the knowledge to find the right coverage for you.

But don’t worry. We have good news for you. We have the ability to get you coverage that is specifically designed for the handyman. The qualified carriers we partner with offer handyman insurance policies that cover a wide range of services and activities.

Whether you do plumbing, electrical, carpentry, or anything in between, we can find a policy that matches your needs and budget. We can also customize your policy to include any additional coverages you might need, such as tools and equipment, workers compensation, or commercial auto.

We know how to get you the best deal and the best protection for your handyman business. Contact us to get started on the path to proper coverage.

The Six Ways General Liability Can Save Your Business

One of the most important coverages that you need as a handyman is General Liability. This coverage protects you from the following scenarios:

Bodily Injury and Property Damage Liability

This covers you if you accidentally hurt someone or damage their property while working on a project. For example:

• You break a pipe while fixing a faucet, causing water damage to the client’s walls and furniture.
• You drop a ceiling fan on a client, injuring them.

Products and Completed Operations Liability

This covers you if your work or products cause harm to someone or their property after you finish the project. For example:

• Your faulty wiring causes an electrical fire in the client’s home.
• Your loose board causes a client to trip and get injured on their deck.

Personal and Advertising Injury Liability

This covers you if you infringe on someone’s rights or reputation through advertising or communication. For example:

• You use someone else’s photo without permission in your social media post.
• You write a negative review about a competitor’s work, defaming them.

Medical Payments

This covers the medical expenses of someone who gets injured on your premises or because of your work, regardless of fault. For example:

• You drop a tool on a client’s foot, requiring them to see a doctor.
• You’re up on a ladder, and a client gets hit by a falling object, needing medical treatment.

Damage to Rented Premises

This covers the damage you cause to a rented space you use for your business. For example:

• A fire breaks out and damages your unit.

Legal Defense Costs

This covers the legal fees you incur if someone sues you for any of the above reasons. For example:

• A client sues you for negligence, claiming you caused more damage to their property.
• A competitor sues you for false advertising, claiming you make unrealistic promises in your marketing materials.

Don’t Risk Your Handyman Business Without General Liability Insurance

General Liability is vital coverage for your handyman business. It can save you from paying out of pocket for costly claims and lawsuits that could ruin your reputation and finances. It can also help you attract more customers and build trust with them.

Without General Liability, you’re exposing yourself and your business to unnecessary risks that could jeopardize your success.

Don’t wait until it’s too late to get insured. Contact us today, and let us help you find the best handyman insurance policy for your needs.

We’re an independent CNY insurance agency that has worked with small businesses for years. We have the experience and the expertise to help you navigate the complex and confusing world of insurance. We work with multiple carriers to compare rates and options, and we tailor each policy to your specific needs and budget.

We’re not tied to any one company, so we can offer you unbiased advice and honest recommendations. We’re also your local partner, so we understand the unique challenges and opportunities handymen face in CNY. We’re here to support you, protect you, and help you grow your business.

Click the button below to fill out a short form that will get you a free quote from us. Or call us at 315-635-2095 to speak with one of our friendly agents. We look forward to hearing from you soon!

But if you need more info on transitioning from personal insurance coverage to a commercial policy as your handyman business grows, read When Should Small Contractors Switch from Personal to Commercial Auto Insurance?