Commercial
Coverage built for handymen working in offices, retail spaces, and commercial properties — from routine maintenance calls to tenant improvement work.
Commercial handyman work looks different from residential jobs. You're often working in occupied office buildings, retail spaces, or multi-tenant properties, coordinating with property managers, and expected to carry proof of insurance before you ever pick up a tool.
Most property management companies and commercial clients won't let you start a work order without a certificate of insurance on file — often naming them as additional insured. This is standard practice, not a red flag, and it's something we set up as part of your policy.
Covers third-party bodily injury and property damage while you're on a commercial job site — a tenant trips over your equipment, a repair causes water damage to a suite below, or you accidentally damage building property.
Property managers and building owners commonly require they be added as an additional insured on your policy. We build this into your coverage so you're ready for whatever paperwork a new commercial client sends over.
Commercial buildings often carry higher liability exposure than a single-family home, so some commercial clients require $2M/$4M limits instead of the $1M/$2M many residential jobs accept. We can quote either.
Office and retail maintenance, tenant improvement punch lists, fixture and hardware installation, minor repairs between tenant turnovers, and general upkeep for property management companies all fall under this coverage.
Tell us about the type of commercial work you do and the properties you typically service. Our licensed agents will build a quote that fits — with the additional insured language commercial clients expect.
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Our licensed agents build your custom quote — typically same business day.
FAQ
Yes, almost universally. Property managers, building owners, and commercial GCs typically won't issue a work order until they have a COI on file, often naming them as additional insured.
The underlying general liability policy is similar, but commercial work often carries higher liability exposure and higher required limits. Carriers also look at the types of properties and volume of commercial work when rating your policy.
Yes. Tell us who needs to be listed and we'll structure the endorsement as part of your policy — this is a standard, routine request.
Many commercial clients accept $1M/$2M, but some — especially larger property management companies — require $2M/$4M. We can quote both so you're ready either way.
Yes. Most handymen who do both types of work carry a single policy that covers everything — just let us know the mix so we can rate it accurately.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.