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.
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.
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. General liability or a BOP can cover customer property damage and injuries to non-employees, and you can include add-on coverage for equipment and tool repair or replacement costs if appropriate. To protect your business and employees in the event of on-the-job injuries, you need workers’ comp insurance. And you should have commercial auto insurance if your business owns vehicles. If you have questions about handyman business insurance, contact our helpful insurance experts.
We Cover all Kinds of Repair and Maintenance Professionals, Including:
- Apartment repair workers
- Cabinetry experts
- Fix-it experts
- Interior trim experts
- Odd-job workers
- Property maintenance workers
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.
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.
Workers' Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.chevron_rightWorkers' Compensation
General Liability Insurance
Also known as commercial liability insurance, a general liability policy 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.chevron_rightGeneral Liability
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance 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.chevron_rightUmbrella
Business Owners Policy
Also called property & liability insurance, a business owners policy (BOP) 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.chevron_rightBusiness Owners Policy
Commercial Auto Insurance
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.chevron_rightCommercial Auto
This coverage 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.chevron_rightCyber Insurance
Why biBERK for Handyman Business Insurance?
We’re the experts when it comes to small business.
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.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.
Handyman Insurance Frequently Asked Questions (FAQs)
Do I need insurance as an independent handyman?keyboard_arrow_down
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.
How much is handyman insurance?keyboard_arrow_down
Are there set handyman insurance requirements?keyboard_arrow_down
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.