A handyman is a skilled professional that is experienced with a variety of jobs, often done in residential and commercial buildings. A handyman may be skilled with maintenance-type work like electrical, plumbing, repairs, and other types of trade skills. Due to the work environment and type of work a handyman does on a daily basis, there are also a number of risks associated with a handyman’s job, both to the business itself and the handyman. In order to protect your handyman business from lawsuits, litigations, or other forms of financial burden, getting proper handyman insurance is essential.
There are a number of types of handyman insurance available for your company, which will offer your business and assets protection against potential lawsuits, injuries, or other risks. The following is a summary of the different types of handyman insurance you have to choose from:
Types of handyman insurance
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Handyman insurance FAQs
Handyman insurance coverage is a must if you run your own business. Working in both residential and commercial settings on electrical, plumbing, repair, HVAC, and other areas requires handymen to have not only broad knowledge but also to be covered by insurance for each of these types of jobs.
Because of the nature of a handyman's job, there are many risks and areas that insurance needs to cover. Depending on what exactly your business does, and what types of work you do, be it commercial or residential, the cost of insurance coverage will vary. Since there is no one-size-fits-all insurance solution, handyman insurance policies can be tailored to fit your specific needs.
As noted above, there are several areas in which a handyman works for different types of clients. Knowing this, the need for comprehensive coverage must be at the top of your list when looking for the best insurance coverage for your business. General liability is a must for all handymen. Still, you may want to look at getting a Handyman Business Owners Policy that will offer more comprehensive coverage and can be built to meet your business' specific needs.
Due to the nature of handyman and the type of work you'll be doing, a comprehensive handyman insurance policy is not something that you should overlook. Working on people's homes or commercial buildings creates many opportunities for something to go wrong, even if you do everything right. You'll want a policy that can cover any damages you may incur at a price that you're comfortable paying. Compare quotes to see what policy gives you the right coverage at the right price.