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Handyman Insurance: Cost, Liability & Quotes From $5

Table of contents
1. Do Handymen Need Insurance? 2. Handyman Insurance Requirements3. Handyman Liability Insurance4. Handyman General Liability Insurance 4.1. Situations Where You Can Use This Insurance Policy4.2. Add-Ons to General Liability Insurance for Handyman Business4.3. How Much Money Can You Receive From General Liability Insurance?5. Handyman Professional Liability Insurance5.1. In Which Situations Can  You Use Professional Liability Insurance?5.2. Add-Ons to Professional Liability Insurance5.3. Coverage Limits of Professional Liability Insurance for Handyman Business 6. Handyman Cyber Liability Insurance6.1. Situations Where Cyber Liability Insurance for Handyman Businesses Can Help 6.2. Add-Ons to Cyber Liability Insurance for Handyman Business6.3. Coverage Limits of Cyber Liability Insurance for Handyman Business 7. Are There Other Insurance Handymen Need to Get?8. Commercial Property Insurance for Handymen8.1. Situations Where You Can Use Commercial Property Insurance8.2. Add-Ons to Commercial Property Insurance for Handyman Business9. Business Owner’s Policy for Handyman Business9.1. Situations Where You Can Use a Business Owner’s Policy for Handyman Business 9.2. Add-Ons to Business Owner’s Policy for Handyman Business9.3. Coverage Limits of Business Owner’s Policy for Handyman Business10. Tools and Equipment Insurance for Handyman Business10.1. Add-Ons to Tools and Equipment Insurance for Handyman Business10.2. Coverage Limits of Tools and Equipment Insurance for Handyman Business11. Handyman Commercial Auto Insurance11.1. What Coverages Are Included in Commercial Auto Insurance?11.2. Situations Where You Can Use Commercial Auto Insurance11.3. Add-Ons to Commercial Auto Insurance for Handyman Business11.4. Coverage Limits of Commercial Auto Insurance for Handyman Business12. Workers Compensation Insurance for Handyman Business 12.1. Situations Where You Can Use Workers Compensation Insurance12.2. How Much Money Can You Get From Workers Compensation Insurance?12.3. Add-Ons to Workers Compensation Insurance for Handyman Business13. One Day Handyman Insurance 14. Handyman Insurance Cost14.1. How to Get Cheap Handyman Insurance?15. Best Handyman Insurance Companies15.1. NEXT Handyman Insurance 15.1.1. Pros15.1.2. Cons15.2. The Hartford Handyman Insurance 15.2.1. Pros15.2.2. Cons15.3. CoverWallet Handyman Insurance 15.3.1. Pros15.3.2. Cons15.4. Tivly Handyman Insurance 15.4.1. Pros15.4.2. Cons15.5. Thimble Handyman Insurance 15.5.1. Pros15.5.2. Cons15.6. Hiscox Handyman Insurance 15.6.1. Pros15.6.2. Cons15.7. USAA Handyman Insurance 15.7.1. Pros15.7.2. Cons15.8. State Farm Handyman Insurance 15.8.1. Pros15.8.2. Cons15.9. Allstate Handyman Insurance 15.9.1. Pros15.9.2. Cons15.10. Handyman Insurance Geico 15.10.1. Pros15.10.2. Cons

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?

Do Handymen Need Insurance? 

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.


Handyman Insurance Requirements

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

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.


Handyman General Liability Insurance 


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedExcludedNo
Hired/non-owned auto liability coverage included?YesNoExcludedExcludedCan be included
Equipment breakdown floater included?No YesYesExcludedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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. 


Situations Where You Can Use This Insurance Policy

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


Add-Ons to General Liability Insurance for Handyman Business

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. 


How Much Money Can You Receive From General Liability Insurance?

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.

 

Handyman Professional Liability Insurance


CoverWallet (Best)NEXTThimbleHiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoNoNoNo


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. 


In Which Situations Can  You Use Professional 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


Add-Ons to Professional Liability Insurance

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


Coverage Limits of Professional Liability Insurance for Handyman Business 

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. 


Handyman Cyber Liability Insurance


CoverWallet (Best)NEXTThimbleHiscoxThe 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. 


Situations Where Cyber Liability Insurance for Handyman Businesses Can Help 

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 


Add-Ons to Cyber Liability Insurance for Handyman Business

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


Coverage Limits of Cyber Liability Insurance for Handyman Business 

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. 

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Are There Other Insurance Handymen Need to Get?

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


Commercial Property Insurance for Handymen


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivableExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keysExcluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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.


Situations Where You Can Use Commercial Property Insurance

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


Add-Ons to Commercial Property Insurance for Handyman Business

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


Business Owner’s Policy for Handyman Business


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivableExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded


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.


Situations Where You Can Use a Business Owner’s Policy for Handyman Business

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


Add-Ons to Business Owner’s Policy for Handyman Business

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


Coverage Limits of Business Owner’s Policy for Handyman Business

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.


Tools and Equipment Insurance for Handyman Business


NEXTThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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.


Add-Ons to Tools and Equipment Insurance for Handyman Business

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


Coverage Limits of Tools and Equipment Insurance for Handyman Business

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.


Handyman Commercial Auto Insurance

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.


What Coverages Are Included in Commercial Auto Insurance?

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


Situations Where You Can Use Commercial Auto Insurance

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


Add-Ons to Commercial Auto Insurance for Handyman Business

  • 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


Coverage Limits of Commercial Auto Insurance for Handyman Business

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 for Handyman Business

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.


Situations Where You Can Use Workers Compensation Insurance

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


How Much Money Can You Get From Workers Compensation Insurance?

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.


Add-Ons to Workers Compensation Insurance for Handyman Business

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

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.

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Handyman Insurance Cost


Cost per MonthCost per YearDeductible
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 YearBest for
NEXT$22$264Fastest general liability insurance for handyman business
The Hartford$25$300Workers compensation insurance for handyman businesses
Coverwallet$36$432Online handyman insurance quotes comparison
Tivly$39$468Comparing handyman insurance quotes over the phone
Hiscox$47$564Handyman insurance with generous limits
Thimble$48$576Self-employed handymen
USAA$49.31$592Military veteran or reserve handyman business owners
State Farm$61$732Mid-sized handyman companies with less than 10 employees
Allstate$63$752Mid to large handyman businesses BOPs with a running payroll
GEICO
$67$798Small self-employed handyman businesses


How to Get Cheap Handyman Insurance?

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.


Compare Handyman Insurance Quotes Online

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Best Handyman Insurance Companies

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.


NEXT Handyman Insurance

Pros

  • 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

Cons

  • 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


The Hartford Handyman Insurance

Pros

  • Renowned company for workers' compensation insurance

  • Quote online or through an agent

  • Efficient claims process

Cons

  • 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


CoverWallet Handyman Insurance

Pros

  • Get insured online

  • Compare handyman insurance quotes for free online

  • Terrorism coverage is automatically added to general liability insurance

Cons

  • 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


Tivly Handyman Insurance

Pros

  • Call and compare quotes over the phone

  • Multiple partners to choose from

  • Only pairs you to a renowned insurance company

Cons

  • 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


Thimble Handyman Insurance

Pros

  • Has an online insurance calculator to estimate rates

  • Offers short-term handyman insurance

  • Get covered online

Cons

  • 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


Hiscox Handyman Insurance

Pros

  • Generous limits

  • Provides free risk management resources

Cons

  • 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


USAA Handyman Insurance

Pros

  • Outstanding customer service

  • Build a policy from the ground up

  • Incredible deals for small business insurance

  • Bundle your policies together

Cons

  • 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


State Farm Handyman Insurance

Pros

  • 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

Cons

  • 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


Allstate Handyman Insurance

Pros

  • 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

Cons

  • 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


Handyman Insurance Geico

Pros

  • Offices nationwide for easy access

  • Competitive pricing and deals

  • Handle claims and billing through the Geico smartphone app

Cons

  • 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


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