Handyman Insurance
Ensure your business is properly and fully covered with handyman insurance.
4.9 out of 5 customer review rating and 1.7M+ policies sold
Protect your company and employees with handyman insurance.
From accidental damage to a customer’s property to employee injuries, handyman businesses have to be prepared for the potential financial impact from a wide range of risks. Consequently, understanding your handyman insurance coverage options is essential. Getting policies from a reliable business insurance provider is also crucial.
At biBerk, we provide tailored handyman insurance coverage at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBerk, you can purchase a policy, manage it, report claims, and get a Certificate of Insurance (COI) online for ultimate convenience.
Learn more about insurance for self-employed handyman businesses below.
Why businesses like yours need handyman business insurance
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. Maintaining proper coverage allows you to manage jobsite risk proactively, ensuring you have a financial safety net in place before an incident occurs, rather than being forced to react to a devastating out-of-pocket expense later.
A primary component of this protection is handyman liability insurance, which specifically addresses your third-party risk exposure. This means that if you accidentally damage a customer's property or if a non-employee is injured on your jobsite, your policy—whether it's a general liability or a BOP—can cover the resulting medical expenses, repair costs, and legal fees. Investing in handyman liability insurance provides an important layer of financial protection.
To customize your policies, you can include add-on coverage for equipment and tool repair or replacement costs if appropriate. Additionally, to protect your business and employees in the event of on-the-job injuries, you need workers’ comp insurance. You should also have commercial auto insurance if your business owns or leases vehicles. If you have questions about handyman business insurance, contact our helpful insurance experts.
For the independent, self-employed handyman, maintaining proper coverage is the simplest way to protect your livelihood and your personal assets from the financial fallout of an on-the-job accident. Beyond safeguarding your income and your tools, carrying insurance for a handyman signals a high level of professional credibility, which helps you build immediate trust with potential clients. Having coverage ensures you are always job-ready, allowing you to confidently accept new projects and meet client expectations without the risk of delays or legal disputes.
We cover all kinds of repair and maintenance professionals with handyman insurance, 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
What does self-employed handyman insurance cost?
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.
Many independent professionals find that they can secure a particular handyman insurance policy with significant coverage for just a few hundred dollars per year. When you consider that a single property damage claim or legal dispute can cost thousands of dollars, the small monthly premium is a sensible investment in your business's longevity. By choosing to work directly with biBerk, you can find a competitive handyman insurance cost, further reduce your expenses, and ensure that you aren't paying for coverage your solo operation doesn't actually require.
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.
Also known as commercial liability insurance, general liability for handymen 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.
Also called property & liability insurance, a business owners policy (BOP) for a handyman 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.
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.
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance for a handyman 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.
This type of insurance for a handyman 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.
What does handyman insurance typically cover?
Handyman liability insurance is often the first thing clients ask to see proof of before work begins. This protection generally includes coverage for third-party bodily injury, accidental property damage, and the legal costs associated with defending your business in court. You can also include policies that protect your tools, your business vehicle, and your employees if they are injured while performing work. Having this comprehensive safety net ensures that you can focus on your craftsmanship rather than worrying about the high costs of unexpected accidents.
From the perspective of homeowners and property managers, hiring an insured handyman provides essential peace of mind during repair or maintenance visits. Verifying that a professional has active coverage ensures that you are protected from liability if an injury or property damage occurs on your premises. Ultimately, choosing a provider with insurance gives you confidence that they are a responsible and trustworthy partner, making it more likely that your project will be completed efficiently and in full compliance with your expectations.
What is not covered by handyman insurance?
While these policies offer broad protection, they don’t cover every possible scenario. For example, handyman insurance typically excludes coverage for intentional damage, illegal acts, or injuries that occur while you aren’t working. If you have questions about specific exclusions, you can always consult with our licensed experts to ensure you have the right endorsements for your unique operations.
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 along to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2025.
Handyman insurance frequently asked questions (FAQs)
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.
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.
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.
How do I get handyman insurance?
Obtaining coverage is a quick process that you can complete entirely online in just a few minutes. You start by providing basic details about your business, such as your location, the type of work you perform, and your estimated payroll.
Once you review your quote and select the policies that fit your needs, you can make a payment to activate your coverage immediately. After your purchase is complete, you can even download a COI to show proof of protection to your clients.
