Handyman Insurance FAQ

Yes — even small jobs carry real property damage and injury risk, and many clients, platforms, and property managers now require proof of insurance before they'll hire you at all, regardless of job size.

General liability covers third-party injury and property damage from your work; workers' comp covers your own employees if they're injured on the job. They serve completely different purposes and most businesses with employees need both.

Same-day coverage is typically available once you submit a quote request — our licensed agents build your custom quote quickly, and your certificate of insurance is issued instantly after you bind.

Yes — new businesses are welcome, and we can place coverage for handymen who are just getting started, not only established operations with years of history.

Separate — general liability doesn't cover your own tools and equipment. That requires a distinct tools and equipment (inland marine) policy, which we typically bundle alongside GL.

We place coverage nationally as an independent agency working with multiple carriers — tell us your state on the quote form and we'll confirm availability and any state-specific considerations.

Often yes, especially for commercial or property management work — tell us who needs to be named as additional insured and we'll structure your certificate accordingly.

Tell us about your subcontractor relationships — we can structure your coverage to account for that exposure, and we'll walk you through what documentation you should be collecting from any subs you hire.

No strict minimum — we work with solo operators just starting out as well as established multi-employee businesses, and we structure coverage to match wherever you currently are.

It's based on a combination of your revenue, the specific types of work you do, whether you have employees, your state, and the coverage limits you select — request a quote for numbers specific to your actual business.