General Liability insurance for Handymen
General Liability insurance shields handyman businesses against the risk of customer or other third-party injury and property damage. It is sometimes referred to as Commercial General Liability (CGL) insurance or “slip and fall” coverage, and typically covers your legal expenses as well as the cost to remedy the situation, up to the policy limits. Crucially, Handyman General Liability insurance protects you even if a claim made against you has no merit.
Other cover for Handymen
Coverage for Your Equipment
If you have equipment or materials that you have purchased for your business, it is extremely important to protect these in case of damage.
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Why does a Handyman need General Liability insurance?
As someone providing handyman services, you are a “jack of all trades” when it comes to using your hands and solving problems. However, accidents happen, and you need to be prepared if they do.
Consider this scenario: You’re completing work in a customer’s home, and accidentally knock over an expensive vase causing it to shatter. The customer demands that you pay to replace the item. Could you afford to do this from your own pocket?
Handyman General Liability insurance helps protect your business finances from costly claims and lawsuits like this. It also provides coverage for injuries sustained by a third party. So, if a customer is injured due to your alleged negligence on the job, you would also be covered.
Why does a Handyman need General Liability insurance?
As someone providing handyman services, you are a “jack of all trades” when it comes to using your hands and solving problems. However, accidents happen, and you need to be prepared if they do.
Consider this scenario: You’re completing work in a customer’s home, and accidentally knock over an expensive vase causing it to shatter. The customer demands that you pay to replace the item. Could you afford to do this from your own pocket?
Handyman General Liability insurance helps protect your business finances from costly claims and lawsuits like this. It also provides coverage for injuries sustained by a third party. So, if a customer is injured due to your alleged negligence on the job, you would also be covered.
What does Handyman General Liability insurance cover?
Many incidents can occur in your line of work. General Liability coverage is potentially the most important insurance policy a handyman can have.
Handyman liability insurance typically includes coverage for:
Property damage incurred by a third party (i.e. a customer, vendor or other member of the public)
Bodily injury suffered by a third party
General Liability for handyman businesses will also cover you against false or baseless allegations. Meritless claims can be expensive to defend yourself against and could be just as financially devastating as a claim that is justified. Handyman liability insurance can help you stay in business if this ever happens to you.
What is not covered?
While General Liability insurance provides important coverage for handymen, it does not shield you from every type of claim you may face. General Liability typically does not cover:
- Damage to your property or your employees’ property
- Professional mistakes and errors
- Employee injury, serious illness or other workers’ compensation claims
- Intentional damage done to a third-party’s property
Your policy documents will include a comprehensive list of what is and is not covered by your General Liability insurance policy.
Handyman Insurance Cost
The cost of handyman General Liability insurance can vary greatly from one person to the next.
For example, self-employed handyman insurance for a sole proprietor will likely cost less than a policy that covers a business with several employees.
Some factors that affect General Liability premiums include:
- Business activities
- Annual revenue and turnover
- Employees being covered and their qualifications
- Past claims history and risk management procedures
- Amount of coverage sought
Getting quotes from multiple insurers is a good way to gauge how much General Liability insurance will cost for your small business.
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Frequently Asked Questions
Is Handyman Insurance required to operate a business?
You may need a handyman license to work in certain states, and proof of General Liability insurance may be required before this license is granted. It’s important to check your state and/or local laws to understand your legal obligations before starting a handyman business.
Even if you are not required by law to have General Liability insurance, others that you work with may expect that you be insured. Commercial landlords typically require proof of insurance before leasing workshop space or offices. Your customers and clients may also ask if you are insured, as this can be an important signal that you are professional and trustworthy.
Does General Liability insurance protect my tools and other equipment?
No, General Liability insurance does not protect the tools or other equipment that you use on the job as a handyman. It does cover damage to third-party tools and equipment, such as those belonging to other contractors you may work with or near on a worksite. Additional coverage options may be available to help you protect your tools and equipment from damage, breakdown or theft.
How to get General Liability Insurance for a Handyman?
BizInsure understands contractors, which is why we’ve made it simple and quick to find affordable Handyman Insurance for your small business.
In minutes you can compare policies from A-rated or better insurers and buy online or over the phone. There’s no complicated paperwork to complete, and you’ll receive your certificate of insurance instantly after purchase.
It’s as easy as one, two, three:
- Apply online or over the phone – Usually just 10 questions or less.
- Compare quotes from industry-leading insurers.
- Purchase a policy and get back to work!
If you have any questions or issues along the way, our team of licensed agents are ready to help throughout the life of your policy.
Find General Liability Insurance for handyman businesses today and to start comparing quotes.
Do Self-Handymen need insurance?
Owning your own business gives you more freedom, but it also means that you are solely responsible when a liability claim is made against you. General Liability insurance can help you manage some of these risks and provide you with important peace of mind.
