Insurance for
handyman businesses
Protect your work, your tools, and your truck. Casey covers repairs, punch lists, and small remodels — general liability, license bonds, tools, and auto in one place, priced for one-person operations. One conversation in plain English: we compare the whole market and bring back the best value for your risk.
Taking on full remodels with subs? See remodeling insurance
What it is
What handyman insurance covers.
For most handymen it comes down to two requirements: what the state wants for your license, and what property managers want before you pick up work orders. These five lines cover both.
You don’t need to know which ones you need. Tell us about your work and your broker builds the stack — without the bloated package pricing.
Who needs it
Every kind of handyman operation — priced differently.
Solo operators & side businesses going full-time
The classic path — and the classic trap of staying uninsured one job too long. First-year operations pay more, but several of our markets write them.
Property-management work
Steady work orders behind one requirement: a COI with the PM’s wording before you’re in the system. Same day, built to their spec.
Punch-list & make-ready crews
Turnover work for landlords and flippers — high volume, small jobs, occupied buildings. Priced by what the work actually is.
Small remodels & bigger jobs
When jobs grow past your state’s handyman job-size limit, the license and insurance requirements change with them. We flag it before it becomes a problem.
Something in between?
Most handymen do a bit of everything. Describe your actual mix in the form — that’s what your broker prices.
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
White-glove service
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Handyman insurance, answered.
How much does handyman insurance cost?
As a rough anchor, General Liability for a solo handyman often runs $600–$1,200 a year — tools, auto, and a license bond add modestly to that. We price for one-person operations, without the bloated package minimums.
My state wants insurance and a bond before it issues my handyman license.
The most common reason handymen call us. GL and the license bond are set up together in one conversation, and you get proof of both the same day — formatted the way the license application wants it.
A property manager wants a COI before I can pick up work orders.
Standard, and worth it — PM work is the steadiest book a handyman can build. Same day once you’re bound, self-serve after that, with the additional-insured wording their vendor packet names.
What’s the difference between being bonded and being insured?
Insurance (GL) answers for accidents — the pipe you nicked. A bond guarantees your obligations — to the state for your license, or to a client for the job. Many handyman licenses require both, which is why we quote them together.
Where does handyman work end and contractor work begin?
Every state draws the line differently — usually by job value. Cross it, and license, bond, and insurance requirements all step up. Tell us what your biggest jobs look like; if you’re outgrowing the handyman lane, we’ll quote the contractor stack instead.
Let’s get started.
Send it in and a licensed broker calls you back right away.
Want to speed up your quote?