General Liability
The foundational coverage that protects your handyman business from third-party injury and property damage claims.
General liability (GL) is the core policy almost every handyman needs. It responds to claims of third-party bodily injury and property damage arising from your work — the two most common ways a job can go wrong for someone else.
If a client, tenant, or bystander is injured because of your work — they trip over your tools, something you installed falls — GL covers the legal defense and settlement costs.
If your work damages a client's property — a repair causes a leak, you accidentally damage flooring or a fixture while working — GL responds to the claim.
GL doesn't cover your own tools and equipment (that's a separate tools & equipment policy), your own injuries (that's workers comp), or errors that don't involve physical injury or property damage, like a job simply not meeting a client's expectations.
You're in and out of clients' homes and businesses constantly, often working near expensive property and around people. One claim — a slip, a damaged floor, water damage from a repair — can cost more than years of premiums combined. It's also increasingly required by homeowners, property managers, and GCs before they'll hire you.
Most handymen carry $1M per occurrence / $2M aggregate — the per-occurrence number is the most paid on any single claim, the aggregate is the total for the year. Some commercial clients and larger GCs require $2M/$4M.
Request a quote and tell us about the range of work you do. Our licensed agents will build a policy and, once you bind, your certificate of insurance is issued instantly.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
Third-party bodily injury and property damage arising from your work — a client trips over your equipment, or a repair damages their property. It covers legal defense and settlement costs if a claim is made against your business.
No. General liability only covers third-party claims. Your own tools and equipment need separate coverage — a tools & equipment (inland marine) policy.
No. Your own injuries are covered by workers compensation (if you have employees) or your own health/accident coverage, not general liability.
Most handymen start with $1M per occurrence / $2M aggregate, which satisfies most residential and small commercial jobs. Some larger clients require $2M/$4M — we can quote both.
Your certificate of insurance is issued instantly once you bind your policy — ready to send to any client, property manager, or GC the same day.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.