Handyman and small repair businesses keep our shops, apartments, homes, and essential equipment operating smoothly. From minor plumbing repairs to replacing electrical components, cabinet installation, swapping fixtures, replacing our locks, fixing the garbage disposal, and everything in between, your small handyman business is vital to people's lives and to the economy as a whole!
Insurance is a crucial part of working as a handyman. This is not only for protection. Say if you're a handyman in California, insurance is a must for satisfying licensing requirements.
Whether you just started out your handyman business and compare quotes online or you’re just trying to understand how handyman business insurance works and protect your income, you’ve come to the right place!
Below, we’ll discuss all of the basics that you need to know about purchasing handyman insurance coverage, how to get quotes from the best handyman insurance companies on the market, how to get cheap handyman insurance costs and quotes by doing an online comparison, and more.
Let’s get our hands busy, shall we?
Whether you need self-employed handyman insurance or you run a slightly larger business with a few employees and helpers, having a basic handyman insurance policy is essential. A small handyman business insurance policy can protect your business from damage or injury claims that you would otherwise be held personally liable for.
Your handyman insurance serves as a protective barrier between you and claims that could financially destroy your business. So, that being said, yes handymen do need insurance and will be smart to have it!
Purchasing small handyman business insurance is relatively simple and easy. It’s fairly easier than getting commercial construction insurance and even insurance for roofers. Generally speaking, running a small repair service is a relatively low-risk field of work, so purchasing insurance for handyman work is neither complicated nor overly expensive.
Some states require handymen to get a license before starting a project. And if you’re working in such states, then it’s important to know the insurance requirements for licensing.
General liability insurance is the first requirement you have to consider. In most states, handymen are required to get $1 million coverage before a license is issued.
Considering getting a surety bond too. A surety bond ensures that the client gets some money if you can’t hold your end of the deal. The minimum surety bond required from handymen is $20,000 - $50,000.
What if you’re in a state where no license is required for you to perform a handyman service? We suggest you still purchase general liability insurance. Why? It’s because clients might ask if you’re covered with this policy. If not, they might give the project to someone else.
Handyman liability insurance is a collective term for insurance policies that protect handymen against lawsuits filed by employees, competitors, clients, or the general public. The most common types are general liability, professional liability, and cyber liability insurance.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
A common component in all handyman insurance packages is a general liability policy. General liability insurance for handyman business grants protection when customers or the available public file a lawsuit for bodily injuries, property damage, copyright infringement, and reputational harm.
As a handyman, you can use general liability insurance when:
You injure a client or their child while using a saw, hammer, drill, or any other equipment
A client injures himself or herself because you left your tool unsafely unkept while taking a break
A client’s window sustains damage during a failed installation attempt
You infringed intellectual property while creating a marketing post. Say for example, using a non-royalty free track for a demo video
Insurance companies will allow you to enhance the coverage provided by general liability insurance through these add-ons:
Tools and equipment insurance: Also called an equipment floater, this add-on will cover the cost of replacing or repairing equipment that got damaged by fire, theft, vandalism, and other covered perils. Coverage might not apply if these exposures happen to the covered equipment while you’re in transit
Products and completed operations coverage: Products and completed operations coverage is automatically added to a general liability policy. This will help if a client sues for bodily injuries or property damage after you have long finished a project.
You will enjoy a $1 million-$2 million per occurrence and aggregate limit from your handyman general liability policy. However, understand that it’s possible to enjoy $300,000-$500,000 worth of coverage only. You may enjoy higher limits up to $5 million if the insurance company allows for it.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $10,000/$25,000 | $1,000,000/$2,000,000 | $250,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $20,000/$50,000 | $1,000,000/$2,000,000 | $250,000/$2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | No | No | No |
You are making money through your services. The problem is clients may ask for compensation or even hold you legally accountable for mistakes. Protect yourself against this exposure by purchasing professional liability insurance. Note that some insurance companies may offer professional liability insurance as an add-on to general liability insurance.
Professional liability insurance covers accusations of:
Negligence: You left for a break without keeping your tools away from the project site. The client came in to check on the progress and tripped on the tools. Minor injuries were incurred. Because of this, the client then filed a claim to get reimbursement for what he spent on emergency treatment
Violation of good faith: A client hired you to finish a particular project for his daughter’s debut. However, something happened and made work slow. As a result, you didn’t finish the project on time. For this, the client demands you pay for missing the deadline
Inaccurate advice: You suggested to the client to add a particular structure to the house to make it more sturdy. However, it turned out that your advice did more harm than good. The client then filed a claim to get reimbursement for what they spent on the finished structure
You can customize your professional liability policy for more protection through these add-ons:
License defense coverage: This grants reimbursements for court costs and other fees if regulatory bodies raise an inquiry and decide to terminate your license. Provided that you’re in a state where handymen are required to have a license before working on projects
Abuse and molestation coverage: Abuse and molestation coverage is a common add-on to professional liability policies designed for those in the entertainment and medicine industries. This will cover legal expenses if you’re accused of sexual harassment and other related offenses against a client
Professional liability insurance has a $1 million-$2 million per occurrence and aggregate limit. Some insurance companies might only offer a $500,000-$1 million professional liability coverage to businesses.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $10,000/$25,000 | $1,000,000/$2,000,000 | $250,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $20,000/$50,000 | $1,000,000/$2,000,000 | $250,000/$2,000,000 | $2,000,000 |
Do you use a website to market your services, allow customers to book your services, and receive payments? In such a case, understand that hackers can breach your site and access confidential information. Purchase cyber liability insurance as a countermeasure against this exposure.
Cyber liability insurance will help if clients and other concerned third parties raise a lawsuit after a data breach or cyber security error exposed their credit card numbers, addresses, or phone numbers.
You can use cyber liability insurance if these exposures happen:
Phishing
DDoS attack
Man in the middle attack
Password attack
Spear-phishing attack
Whale-phishing attack
Password attack
SQL injection attack
Ransomware
Here are some add-ons that you can attach to a base cyber liability policy for more protection:
Media liability insurance: This covers the cost of lawsuits that result from personal harm third parties suffer due to wrongful information found in a video, blog, or any other marketing materials you post online
Cyber business interruption: If you’re website’s data breach result in a significant loss of income and the temporary suspension of business operations, this add-on will provide an allowance you can use to recoup some of the losses and shoulder some operational costs
Cyber liability insurance offers a $300,000-$2 million per occurrence and aggregate limit. Sub-limits might be provided for the add-ons you will attach to the policy.
Get all the best quotes from leading providers in a click of a button!
Protection doesn’t end with liability insurance policies and commercial auto insurance. There are other insurance you can get for full-blown protection. These are:
Commercial property insurance
Tools and equipment coverage
Commercial auto insurance
Employee dishonesty insurance
Employer’s liability insurance
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $110,000 | $25,000/$500,000 | $15,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $15,000 | $25,000/$500,000 | $15,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Get commercial property insurance if you’re running a handyman service business. Commercial property insurance will cover your commercial building. The function of this policy is to give money if you need to reconstruct or repair the building or its structures. Only consider this policy if you have a home office, a rented office, or a commercial building.
Commercial property insurance can get you back on track when these perils happen, resulting in the damage or destruction of your business property:
Fire
Theft
Vandalism
Sinkhole collapse
Riot
Aircraft
Vehicles
Wind
Snow
Lightning
Common add-ons to commercial property insurance are as follows:
Business interruption insurance: Business interruption insurance provides the money you can use to cover operational costs after a fire, theft, or any other covered peril damaged or destroyed your business property
Outdoor signs coverage: Outdoor signs coverage will cover the repair or replacement of signs and other installations outside and not attached to any structure of your commercial building
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
A business owner’s policy combines general liability and commercial property insurance. Therefore, you can use this to cover lawsuits and recoup commercial losses. Some insurance companies automatically include a business interruption coverage in a business owner’s policy too. Going for a business owner’s policy is great if you value convenience, quick coverage, and economical insurance premiums.
A business owner’s policy provides coverage in the following situations:
A client sustained property damage or bodily injuries during or after the completion of a project you received
Fire, theft, vandalism, and other covered perils caused the damage or destruction of your office or any other business property
You need to halt business operations to make way for renovation or relocation after a covered commercial property exposure happened
Aside from general liability and commercial property insurance, you can bundle these policies in a business owner’s policy:
Employee dishonesty insurance: Covers losses that result from social engineering, theft, forgery, embezzlement, and other dishonest acts your employee might commit while dispensing his or her duties
Professional liability insurance: This covers lawsuits clients file due to mistakes, violation of good faith, missed deadlines, inaccurate advice, and other related offenses you might commit within your professional capacity
A business owner’s policy for handyman business offers a general liability coverage with a $1 million-$2 million per occurrence and aggregate. Commercial property coverage, on the other hand, is $25,000-$50,000.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance covers expenses if your drills, saws, hammer, and other tools for work get damaged or lost due to fire, theft, vandalism, and other covered perils. This policy can be a floater to commercial auto, general liability, and commercial property insurance.
Tools and equipment insurance may have the following add-ons:
Rented/borrowed equipment coverage: Usually, tools and equipment policies don’t cover the tools you borrow or rent. But through this add-on, coverage may apply if a covered peril happens to tools or equipment you don’t own
Inland marine coverage: Inland marine coverage is an add-on to tools and equipment insurance that grants protection if the tools you own gets damaged or lost during a trip
Tools and equipment insurance for handyman business provides $2,500-$5,000 worth of coverage. Some insurance companies offer customizable limits, and you may increase payouts up to $25,000-$50,000, subject to the value of the equipment covered.
If you have an official work truck that’s registered under your company name, then you may want to consider purchasing a commercial auto insurance policy. Commercial auto insurance grants protection against the cost of auto accidents, uninsured drivers, and vehicle breakdowns. This offers coverage options for the load and attached equipment to your commercial vehicle.
Commercial auto insurance offers the following coverages:
Auto liability coverage: Auto liability coverage will cover payments to third parties who sustained bodily injuries or property damage due to an accident caused by your commercial vehicle
Collision physical damage coverage: This grants the money you can use to cover vehicle parts repair or replacement expenses in case your commercial vehicle got damaged in a road crash
Comprehensive physical damage coverage: The comprehensive physical damage coverage of commercial auto insurance takes care of parts repair or replacement costs if your commercial vehicle sustained damage due to fire, theft, vandalism, and other covered perils
Uninsured/underinsured motorist coverage: In case of accidents caused by another driver and in which case such driver doesn’t have insurance or doesn’t have adequate coverage, uninsured/underinsured motorist coverage covers your medical treatment and property damage
Commercial auto insurance can help when:
Your commercial vehicle caused a road crash, resulting in multiple injuries and property damage to involved third parties
You forgot to set the engine to neutral before leaving the vehicle. As a result, it moved a bit and scratched a car parked nearby
You need to repair your commercial vehicle after it got involved in a crash
Tools and equipment floater: A specialized tools and equipment policy can be added to commercial auto insurance so all that you use for work can be repaired or replaced without further costs should something happen to them while in the car.
Trailer coverage: Insurance companies might include trailer coverage in your commercial auto insurance. This takes care of costs if a trailer attached to the car and you use to carry equipment sustains damage due to collisions and other covered perils
The minimum amount of coverage you can get from commercial auto insurance equals the minimum auto liability insurance requirements of the state where you are currently doing business. But note that the maximum coverage is $1 million-$2 million combined single limit.
Workers compensation insurance covers the medication, hospitalization, lost wages, and other benefits an employee must receive after a work-related injury. The law mandates you purchase this policy if you have employees. An exemption might apply if you are working alone.
Workers compensation insurance can help if these perils happen to an employee:
Repetitive strain injuries
Getting hit by a debris
Chemical exposure
Electrocution
Muscle strains
Concussions
Employees receive compensation based on the stipulated disability benefits prescribed by the workers comp law of the state where you’re living. What’s definite is that, when it comes to lost wages, most receive ⅔ of their salary as compensation.
Workers compensation insurance for handyman business rarely has add-ons. However, it might offer these as optional features:
Occupational accident insurance: Occupational accident insurance covers those who are not entitled to workers comp benefits. An example would be interns working under you or someone who wishes to work with you for the day to earn money
Return-to-work programs: Insurance companies might offer return-to-work programs that you can only enjoy if you purchase their workers comp policy. One good example is The Hartford
One day handyman insurance is a 24-hour insurance policy that offers general liability insurance as an inclusion. The general liability policy for this type of short-term coverage offers a $1 million-$2 million per occurrence and aggregate limit. An equipment floater may be added and this offers up to $2,500-$5,000 worth of coverage for repairs.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $57 | $540 | $0-$500 |
| Professional liability insurance | $65 | $1,080 | $500-$1,000 |
| Commercial property insurance | $82 | $1,608 | $1,000-$2,000 |
| Business owner's policy | $100 | $2,040 | $1,500 |
| Tools and equipment insurance | $60 | $660 | $500-$1,000 |
| Workers compensation insurance | $82 | $660 | $2,000-$5,000 |
Handyman liability insurance cost $57 per month or $684 per year for a $1 million general liability policy. Factors that affect the average handyman insurance cost are claims history, business history, policy limits, deductibles, add-ons, and more.
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $22 | $264 | Fastest general liability insurance for handyman business |
| The Hartford | $25 | $300 | Workers compensation insurance for handyman businesses |
| Coverwallet | $36 | $432 | Online handyman insurance quotes comparison |
| Tivly | $39 | $468 | Comparing handyman insurance quotes over the phone |
| Hiscox | $47 | $564 | Handyman insurance with generous limits |
| Thimble | $48 | $576 | Self-employed handymen |
| USAA | $49.31 | $592 | Military veteran or reserve handyman business owners |
| State Farm | $61 | $732 | Mid-sized handyman companies with less than 10 employees |
| Allstate | $63 | $752 | Mid to large handyman businesses BOPs with a running payroll |
| GEICO | $67 | $798 | Small self-employed handyman businesses |
If you’re trying to get a cheap handyman insurance quote, then the best thing you can do is to compare handyman insurance quotes online. Depending on where you live, you may be able to take advantage of specific deals offered by insurers in your area. Generally speaking, getting cheap general liability insurance for handyman is quite easy as this type of policy is quite a cheap business insurance policy anyway.
While performing a quick Google search for “ handyman insurance near me ” may provide you with some results, the easiest way to compare quotes is to use our handyman insurance quote generator. Simply press the ‘ Get Quotes ’ button below, enter some basic information on your business, and you’ll be presented with competitive quotes from numerous local and nationwide insurers that operate in your area!
Once you decide on the insurance provider that you want to do business with, there are several other steps that you can take to ensure that you get the best deals on handyman insurance policies.
The easiest way to get a good deal is to offer to pay a higher deductible. This means that you’ll pay a larger sum out of pocket if you do make a claim. However, the flip side is that you’ll pay lower monthly premiums.
Another great way to keep your insurance costs low is to bundle your policies together. For example, suppose you plan on purchasing multiple policies such as general liability, commercial auto, and workers’ comp. In that case, it’s a better idea to bundle them all through the same company and sometimes on a BOP instead of going through multiple different insurers for different policies.
By bundling your policy, you’re effectively dividing your risk across multiple policies, decreasing your overall risk as a policyholder, and reducing your premiums costs.
Get all the best quotes from leading providers in a click of a button!
If you’re looking for the best insurance for handyman business, then look no further! We’ve reviewed the top providers of insurance for handyman company such as yours! We’ve included a brief background on each insurer, pros, cons, and pricing for a $1 million general liability coverage.
Affordable small business insurance for handyman services
Piece together a policy that works for you
Fast and easy claims process
Good customer service
Best overall
Fastest general liability insurance
Couldn't find any
Unlike the other insurers we’ve reviewed, NEXT is new to the insurance scene and was just recently founded in 2016. In the short years they’ve been in business, though, they’ve developed a great reputation for providing low-cost small business insurance, an easy claims process, and above-average customer service.
What allows NEXT to keep their insurance rates so affordable is that they use artificial intelligence to handle most of the claims process. This cuts down on agents and payroll, allowing the company to pass the savings on to its policyholders.
Best for: Fastest general liability insurance for handyman business
Average cost: $22 per month
Our rating: 8/10
Renowned company for workers' compensation insurance
Quote online or through an agent
Efficient claims process
Online quoting might not be available all the time, so expect a talk with an agent
We recommend The Hartford for workers compensation insurance. It’s because this company has garnered numerous awards for underwriting the policy. But if you need other policies, this company is still a good option because it offers customizable general liability, commercial property, and commercial auto policies.
Best for: Workers compensation insurance for handyman businesses
Average cost: $25 per month
Our rating: 10/10
Get insured online
Compare handyman insurance quotes for free online
Terrorism coverage is automatically added to general liability insurance
Not an insurance company but a broker selling the quotes of its partners
CoverWallet is an insurance broker with an online quote generator you can use to compare the pricing and offers of its partners. You have four insurance options from this company. You can choose to only get general liability insurance having a $1 million limit. If you want to extend your coverage a little more, CoverWallet offers general liability with commercial property insurance.
Now, if comprehensive protection is what you’re looking for, then the company offers a business owner’s policy with commercial auto. If a business owner’s policy isn’t enough, CoverWallet can insure you through a customized insurance plan where you’re free to choose and add the insurance policies needed.
Best for: Online handyman insurance quotes comparison
Average cost: $36 per month
Our rating: 10/10
Call and compare quotes over the phone
Multiple partners to choose from
Only pairs you to a renowned insurance company
No online quotes
Tivly allows you to compare quotes. However, unlike CoverWallet, this company allows you to do quote comparison over the phone with the help of a representative. Tivly will help you find the best insurance company that offers the most comprehensive coverage at the right price. Call and talk with a representative now.
Best for: Comparing handyman insurance quotes over the phone
Average cost: $39 per month
Our rating: 10/10
Has an online insurance calculator to estimate rates
Offers short-term handyman insurance
Get covered online
Not very comprehensive
Thimble’s handyman insurance only includes general liability insurance with products and completed operations coverage - not very comprehensive but this is fine. Why? If you decide to get insured with Thimble, you’ll get instant proof of insurance. The best thing is you can choose to get covered for only hours, days, weeks, or months. Thimble’s general liability insurance for handymen offers $1 million - $2 million in coverage.
Best for: Short-term handyman insurance
Average cost: $48 per month
Our rating: 9/10
Generous limits
Provides free risk management resources
Has a lot of customer complaints
Hiscox primarily offers general liability and professional liability insurance. But note that this company allows you to endorse policies such as loss of income coverage, business interruption, commercial property, etc. based on what kind of handyman services you provide and the nature of your work. With Hiscox, you can get more than $2 million in coverage. Furthermore, you’ll get access to risk management resources.
Best for: Handyman insurance with generous limits
Average cost: $47 per month
Our rating: 7/10
Outstanding customer service
Build a policy from the ground up
Incredible deals for small business insurance
Bundle your policies together
Only available to active duty or retired military members and families
If USAA accepts you, then they have the best small business insurance rates on the market! They’re able to provide such affordable rates because they cater specifically to active and retired members of the US armed forces and their immediate families.
From commercial auto to general liability, workers’ comp, and more, USAA lets policyholders build a policy from the ground-up that suits their specific needs. Once you’re a member, you don’t have to worry about sudden increases in your premium. USAA also has outstanding customer service ratings when it comes to handling claims.
Best for: Military veteran or reserve handyman business owners
Average cost: $49.31 per month
Our rating: 6/10
Stellar customer service reputation
Handling claims is easier than other insurers
Nationwide offices make it easy to reach an agent
State Farm has a long history of providing small business insurance
Pricing may vary heavily from one state to another
Before State Farm ever started offering auto insurance, they offered small business insurance for farmers in the American Midwest. This means they have a long history when it comes to providing insurance for handyman services. They also have great rates on workers’ comp policies (if you have employees).
One of the best reasons to choose State Farm is that they have excellent ratings as far as customer service and satisfaction go. Also, if you ever have to make an insurance claim, you want the process to be simple and easy. With State Farm, you’ll be treated with respect by your agent and get a fair deal on liability insurance for a handyman service.
Best for: Mid-sized handyman companies with less than 10 employees
Average cost: $61 per month
Our rating: 5/10
Insurance packages designed specifically for small handyman services
Deals on bundling liability, commercial auto, and workers’ comp
Get great deals on payroll by working with Allstate’s partner network
Online claims filing isn’t very intuitive
Although Allstate has built a reputation for being a bit more expensive than other small business insurance providers, you’ll get what you pay for. They have a long list of industries that they specifically cater to (including handyman services), which means that you’ll never have to question whether or not you have the coverage you need.
Allstate also has several “preferred partners” they work with to provide discounted rates on important small business services such as payroll. Lastly, they offer great deals on bundling, which means that you could bundle a general liability, commercial auto, and even workers’ comp into a single umbrella policy and save a good bit of money.
Best for: Mid to large-sized handyman businesses that need to bundle policies and run a payroll
Average cost: $63 per month
Our rating: 5/10
Offices nationwide for easy access
Competitive pricing and deals
Handle claims and billing through the Geico smartphone app
Some complaints about how insurance claims are handled
GEICO is one of the biggest insurance agencies in the United States, and they provide a wide range of small business insurance policies designed to protect you from any claim that could come your way. Geico has received very good reviews as far as their pricing goes, and they offer a number of deals that you won’t get from some of the smaller specialty insurers. Additionally, Geico also has an incredibly easy-to-use mobile app that allows you to keep track of your billing, claims, or pull up instant proof of insurance if a client asks for it.
Best for: Small self-employed handyman businesses
Average cost: $67 per month
Our rating: 7/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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