Residential
Coverage built for handymen working in homes — repairs, punch lists, small renovations, and everything homeowners need done.
Residential handyman work means you're regularly inside people's homes — often occupied, sometimes with kids and pets around. One accident, one damaged floor, one repair that doesn't hold, and a homeowner can hold you responsible for the cost.
More homeowners are asking handymen for proof of general liability before hiring, especially for larger jobs. It protects them if something goes wrong, and it signals you run a legitimate, professional operation.
The core coverage. Responds if a client trips over your ladder, a repair causes water damage weeks later, or you accidentally damage flooring, walls, or fixtures while working.
Covers your drills, saws, and gear whether they're at a job site, in your truck, or in transit — theft, damage, and loss included. Homeowner's insurance policies don't cover your business equipment.
Whether you take one-time calls from a home services app or work with the same property owners repeatedly, an annual policy covers all of it — no need to bind separate coverage per job.
Furniture assembly, TV mounting, drywall patching, fixture and hardware installation, small carpentry repairs, deck and fence work, and general punch-list items for homeowners all fall under this coverage.
Tell us about the type of residential work you take on. Our licensed agents will build a quote and, once you bind, your certificate of insurance is ready to send to any homeowner or property manager who asks.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
Even small jobs carry risk — a slip, a damaged floor, a fixture that fails later. Many homeowners now ask for proof of insurance before hiring, even for minor work.
That's fine. An annual policy covers all your work for the year regardless of how jobs come to you — apps, referrals, or repeat clients.
No. Your own tools and equipment need separate coverage (tools & equipment / inland marine), since homeowner's policies only cover the homeowner's own property.
General liability can respond to damage that shows up after the job, as long as it's tied to your work and reported within your policy period. This is one of the most common reasons handymen carry GL.
Yes. Once you're bound, your certificate of insurance is issued instantly and ready to send to any homeowner, GC, or property manager.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.