Handyman Insurance

As a Handyman, you spend too much time fixing things for others to worry about fixing your business insurance. 

Tomins realized most business insurance is confusing, time-consuming and boring–so we decided to do something about it.

Rather than take the cookie-cutter approach used by many firms, we take the time to understand the unique needs of each business we serve. Powered by Higginbotham, our coverage is designed with your business in mind, offering you all of the coverages you need and none that you don’t.

Isn’t it time you had an insurance partner that worked as hard as you do?

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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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Handyman in dirty purple shirt and blue jeans holding a nail gun in front of a recently finished wooden fence he built

What Handyman Insurance Coverages Do I Need?

As a self-employed handyman, you should carry the same BOP (Business Owners Policy) we recommend for all small businesses. A BOP is designed to protect your business’s buildings, property, and other business assets. It also protects you from legal liabilities created by your business operations.

A typical BOP for a handyman includes three important coverages:

  1. Handyman Commercial Property Insurance: Commercial property insurance covers your firm’s office, property, and assets in the unfortunate case of a loss or damages.
  2. General Liability Insurance for Electricians: General liability insurance is one of the most common and important coverages in the small-business world — well beyond the world of insurance for handymen. It should generally be included in every small-business insurance policy. General liability coverage can protect you against financial loss from lawsuits filed against your business.
  3. Business Income Insurance: This insurance is designed to protect a handyman against an unexpected loss of income. For example, in the unfortunate case of a flood at your shop, your business income insurance would help cover lost wages while you rebuild or recover.

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Additional Handyman Insurance Coverages to Think About

At Tomins, we live by the importance of understanding each business we serve.

Depending on the specifics of a business’ operation, some other coverages we might offer a handyman include:

Equipment Breakdown

This coverage helps pays for repairs to scheduled equipment when it stops working or is damaged. 

Property in Transit

If you ever find yourself transporting the property of others, you should consider carrying Property in Transit coverage. Also known as Inland Marine Coverage, this coverage can help a business with the cost repairing or replacing other people’s property that was damaged in transit.

Employment Practices Liability

If you have employees, EPLI is an important coverage to carry. This coverage can help pay for lawsuits filed for improper hiring, discrimination, slander, sexual harassment and more. 

Umbrella Coverage

Umbrella insurance can help protect a Handyman business beyond the claim limits of their base policy.

Workers’ Comp

Workers compensation insurance is another important coverage to consider if you have employees. This coverage can help with the costs of an employee injury, including medical expenses, lost wages and legal fees/settlement costs.

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How Much is Handyman Insurance Going to Cost Me?

That’s why our Handyman Insurance policies include all the coverage you need an none that you don’t.

Just like every job you bid has a price based on the scope of work, every policy we design is priced based on the unique needs of the business it’s designed for.

At Tomins, we are committed to going the extra mile to make sure every customer we serve is getting the right coverage at the right price.

Every time.

Get your free personalized Handyman Insurance Quote today.

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What do I Need to Get a Handyman Insurance Quote Today?

To help us deliver the best quote possible, we ask that you gather the following information before applying:

  • Gross Annual Sales
  • Business Address and Tax ID
  • Target Effective Date (Date of Policy Start)
  • Number of Employees you Currently Employ
  • Information about other insurance you currently hold
  • Volume, Nature, & Storage Method of Client Data
  • Proof of professional licensing & other relevant
  • Brief Description of Your Business Operations
  • History of Past Claims (at least 3 years)

TOMINS—mindful insurance today, successful Handyman business tomorrow.


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