Insurance for handyman businesses
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Independent insurance broker. Coverage, eligibility, price and availability vary by insurer and policy.
A dropped ladder scratches a floor, a pipe you fixed leaks a week later, a customer trips over your toolbox. General Liability is the policy that answers for damage and injuries you cause to other people while you work — and it is usually what homeowners, property managers and apps ask to see on a certificate before you start. As an independent broker we look at what you actually do (the jobs you take, and the ones you don't), and compare the General Liability markets available for that work. Work vehicles, tools and employees are separate policies — we review them with you only if they apply.
Property damage and injuries to others caused by your work.
Claims that show up after a job is finished (completed operations), when included.
COIs for homeowners, property managers and job apps — additional insured when the policy allows.
Optional coverage for tools stolen from a job site or your vehicle.
For the truck or van you use for work — reviewed separately.
Required in California once you have employees — reviewed separately.
Price depends on the work you do (painting is rated differently from electrical or plumbing), your annual revenue, where you work, your years in business, prior claims and the limits you choose. We don't quote a typical price — we gather your details once and compare the markets available for your trade.
Handyman businesses and independent repair pros — whether you work alone or with a helper, take jobs directly or through apps, or work for property managers who require proof of insurance. Licensed contractors and specialty trades (HVAC, appliance repair, electrical) have their own pages. Check the CSLB rules for which jobs in California require a contractor license.
What you do, what you don't do, revenue and where you work.
We review General Liability options available for your trade.
Once you choose and buy a policy, we issue the certificates your clients ask for.
Many clients, property managers and job apps ask for proof of General Liability before you start. Even when no one asks, a single property-damage claim can cost more than the policy.
It doesn't cover your own tools, your vehicle, your own injuries or your employees' injuries, or poor workmanship itself. Those need other policies, which we review with you if they apply.
Many policies allow it. Tell us what the client asks for and we check what your policy permits before issuing the certificate.
Business name, the services you do and don't do, annual revenue, number of helpers, the cities you work in, years in business and any prior claims.
Yes — our licensed agents speak Russian and English.
Russian-speaking · English. No pressure, no spam — just competitive options from 40+ carriers.
