Handyman Insurance
Handyman Insurance for Solo Pros and Small Crews
General liability, tools, commercial auto, and workers comp for handymen and home repair businesses in Illinois, Iowa, Wisconsin, and Indiana. We shop multiple carriers so you don't have to.
✓ Same-Day COIs · ✓ Owner-Only Options · ✓ Serving IL, IA, WI & IN
Who We Insure
Coverage for Solo Handymen and Growing Crews
Handyman liability insurance for one-person shops and small businesses.
Solo Handymen
Affordable coverage for owner-operators working on their own.
- Odd jobs and home repairs
- Assembly and installs
- Punch-list work
- Property manager work orders
Handyman Businesses
Coverage for crews that take on more and larger jobs.
- Small crews and helpers
- Property maintenance contracts
- Turnover and make-ready
- Light remodeling
One application. Multiple handyman markets.
Compare My Rate →The Problem
Why Handyman Insurance Is Hard to Get Right
Handyman policies often have limits that show up at claim time. These are the ones we see most.
Scope of Work Limits
Many handyman policies exclude roofing, structural, electrical, or plumbing work. Your policy has to match your jobs.
Height Limits
Some policies limit work above a certain height. Gutter and exterior work can fall outside coverage.
Property Manager Requirements
Property managers require additional insured, waiver of subrogation, and specific limits before assigning work.
Customer Property Damage
Damage to the part of the home you are working on may be limited. Know how your policy handles it.
Tools and Equipment
Stolen tools are not covered by general liability. Tools need their own coverage.
Subcontracted Work
Hiring subs without their own insurance can add their jobs to your policy at audit.
Coverage
What We Cover
Handyman coverage built around the jobs you take.
General Liability
Bodily injury and property damage from your work, including completed operations.
Tools & Equipment
Tools on the job, in your vehicle, or in storage.
Same-Day COIs
Certificates for property managers and homeowners sent the same business day.
Commercial Auto
Trucks and vans owned by your business.
Hired & Non-Owned Auto
Liability when you or a helper use a personal vehicle for work.
Workers Comp
Employee injury coverage, plus owner-only options where available.
Business Owners Policy
General liability and business property combined in one policy.
Installation Floater
Materials and fixtures until the job is complete.
Umbrella
Extra liability limits for larger contracts.
Work We Insure
Handyman Liability Insurance for Every Job Type
Handyman insurance quotes for home repair and property maintenance businesses across Illinois, Iowa, Wisconsin, and Indiana.
General Repairs
Home repairs, fixes, and service calls.
Assembly & Installs
Furniture, fixtures, shelving, and TV mounting.
Drywall & Paint Touch-Up
Patching, texture, and small paint jobs.
Doors, Windows & Trim
Door, hardware, trim, and window repairs.
Property Maintenance
Ongoing work for landlords and property managers.
Make-Ready & Turnover
Unit turnover between tenants.
Pricing
What Affects Handyman Insurance Cost?
Every handyman business is rated differently. These are the biggest factors.
Revenue and Payroll
General liability and workers comp are rated largely on revenue and payroll.
Scope of Work
Light repair work rates lower than exterior, height, or trade work.
Subcontracted Work
Subs without their own insurance and certificates increase your rate.
Loss History
Three to five years of clean loss runs open up more carriers and better rates.
Tell us about your handyman work. We shop the markets.
Get My Quote →| Question | Answer |
|---|---|
| How much does handyman insurance cost? | Cost depends on revenue, scope of work, employees, subcontracted work, and loss history. Handymen with clean loss history get the widest choice of carriers. |
| Do I need insurance as a handyman? | Most property managers, landlords, and many homeowners require proof of general liability before you start work. Some municipalities also require it for registration. |
| What work is excluded on a handyman policy? | Many handyman policies limit or exclude roofing, structural work, and licensed electrical or plumbing work. Tell us everything you do so the policy matches your jobs. |
| Do I need workers comp if I work alone? | Employers must carry workers comp for employees. Owners can often exclude themselves, but some property managers require a policy anyway. We can write owner-only policies where available. |
| Are my tools covered under general liability? | No. General liability does not cover your own tools and equipment. You need tools and equipment coverage. |
| Does my personal auto policy cover my truck on jobs? | Personal auto policies may limit or exclude business use. Commercial auto or hired and non-owned auto coverage fills the gap. |
| How fast can I get a certificate of insurance? | Certificates for property managers and homeowners are typically sent the same business day. |
| What do I need to get a quote? | Business address, years in business, revenue, payroll, a description of the jobs you do, subcontracted costs, and three to five years of loss runs if available. |
Get Started
Get Your Handyman Quote
One application. Multiple handyman markets. A licensed agent reviews every quote.
✓ Same-Day COIs · ✓ Owner-Only Options · ✓ Serving IL, IA, WI & IN