Does a Sole Proprietor Need Handyman Insurance?
Life as a handyman is full of risks.
From the liabilities of working on other people’s property to the unexpected twists and turns that each day brings, you deserve the peace of mind of knowing you’re covered.
From coverages specifically designed with a handyman in mind to the more general protections designed for all contractors, handyman insurance is a critical part of succeeding in today’s fast-paced business world.
Regardless of the details of your specific operation, there are a number of coverages you should probably be carrying as a business owner.
Typically bundled into a Business Owner’s Policy (BOP) (LINK), these essential coverages include:
General Liability Insurance
General liability (GL) insurance can help cover your legal liability for damages or injuries sustained by others as a result of your business operation. GL coverage can help you cover expenses including, but not limited to, lawsuits, settlements, legal fees, court costs and more.
Commercial Property Insurance
If you own or rent a shop or office, Commercial Property Insurance can help protect it. Commercial Property Insurance can help pay to replace your business’s physical property, building or buildings, and the assets you have in those buildings in the aftermath of a natural disaster.
Business Income Insurance
Also known as business interruption insurance, when added to a Commerical Property Policy, business income insurance can reimburse you for lost income during the recovery phase of another covered claim that interrupts your business.
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