What is Handyman Insurance?
Handyman Insurance is an insurance policy package specially designed to protect against the specific risks and liabilities associated working on a job site.
Mistakes can happen and potential lawsuits against your business can be devastating. We know what makes your handyman business unique, leave it to us to find the best insurance policy for you.
What does Handyman Insurance cover?
As a jack of all trades, when it comes to things that need repairing it is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own.
A comprehensive Handyman Insurance package will typically include the following:
- General Liability Insurance: covers for costs associated with common handyman liability risks, such as third-party injuries or property damage.
- Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
- Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
- Pollution Liability Insurance: covers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.
- Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.
- Commercial Property Insurance: covers for physical loss or damage to your property (rented or owned) and its physical contents due to an external disaster, such as a fire, theft, or vandalism
Does a handyman need insurance?
Regardless of the handyman services provided (residential or commercial), there will still be risks of third-party injuries and property damage.
Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.
We’ve insured more than 1,000 contractors. Some of our clients include:
How much is General Liability Insurance for a handyman?
The cost of insurance for a small handyman business working on residential projects typically starts at around $450 for a General Liability Insurance policy with a $2M coverage limit.
There are several factors considered when determining a price for a Handyman Insurance policy package, including:
- Number of Employees
- Project type (Commercial/Residential)
- Years of Experience
- Location
- Tools & Equipment Owned
- Annual and Projected Revenue
Getting insured is quick and easy!
Complete our 5-minute online application form for a free Handyman Insurance quote.
Common scenarios where Handyman Insurance is useful
Problem: While fixing a client’s backyard shed, you accidentally damaged the electrical system powering their pool heater.
Outcome: Your General Liability Insurance policy would cover the $6,000 cost to replace the damaged pool heater.
Problem: Your work van’s transmission broke down on a drive back from a worksite, forcing you to leave it stranded overnight. When you arrived back in the morning, all of your equipment had been stolen from inside of the vehicle.
Outcome: A Tools and Equipment Insurance policy would cover the $4,500 value of stolen equipment
Problem: After improperly sealing your client’s new dryer vent, it caused a mold build-up damaging their laundry room.
Outcome: Your Pollution Liability Insurance policy covers the $10,000 cost of clean-up and repairs that resulted from the pollution damage.
What our customers friends say about us
Our customers ❤ us, and so will you!
Learn why thousands of Canadian small businesses trust us with their insurance needs.
Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.
The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.
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