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Illustrated street with a porch house, a stepladder, a door off its hinges and a purple toolbox on the porch rail on one side, and a brick building with a fire escape and a work van with its back doors open on shelves of tools on the other, open sky and road between

Handyman insurance

no job too small.
now none too big.

Liability, tools, van and comp for handyman businesses ready for landlords, property managers and bigger repairs. Coverage that keeps up as the jobs grow.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A shelf, a slip, a stolen drill. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with a fallen shelf and a broken vase upstairs, a toppled stepladder in the basement beside a purple drill, and a work van with a smashed side window knocking over a picket fence

general liability

A shelf you hung comes down

Damage to the customer’s things.

workers’ comp

Your helper falls off the stepladder

Medical bills and lost wages.

tools and equipment

The drills get stolen from the van

Tools and gear, on the job or on the road.

commercial auto

The van clips the fence

Damage you cause on the road.

general liability

A shelf you hung comes down

Damage to the customer’s things.

Examples. Your policy sets the details.

the work changes
what we check.

Home repairs, maintenance contracts and bigger jobs carry different risks. Pick yours.

Home repairs

Work around what matters.

We check the tasks the carrier accepts and how the policy treats the property you’re working on, not only the headline limit.

we check first: The tasks the carrier accepts. Illustrated interior door lifted off its hinges beside its frame, with a drop cloth, an open toolbox, loose hinges and a purple cordless drill on the floor

handyman businesses
usually carry.

Put them on one program and we shop them together at every renewal.

something broke?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Porchlight Repair

your options

$4,200a year, 3 policies

3 options, same coverage

Option A$4,200

Option B$4,700

Option C$5,300

Owner + helper1 vanAustin, TXClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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what changes in
your state.

Licenses, bonds and workers’ comp change by state. Tap yours.

Arizona

Small jobs under $1,000 with no permit can skip the ROC license. Your ads have to say so.

see Arizona handyman

guides
handymen ask for.

Liability, gear and what changes the price.

growing by
acquisition?

Buying another handyman shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about handyman insurance.

What insurance does a handyman need?
Most handyman businesses start with general liability, since homeowners and property managers ask for proof of it. Tools, business driving and employee injuries are separate policies. Workers’ comp rules depend on the state and whether you hire. The full repair list matters, occasional jobs included, because the tasks decide what a carrier will cover.
Does handyman insurance include electrical and plumbing work?
Not automatically. Carriers can restrict particular tasks, and state or local rules can require a separate trade license. A policy doesn’t give you permission to do regulated work. The exact job matters to the carrier and the licensing authority, even when the task looks small.
What affects the price of handyman insurance?
Mainly your tasks, location, revenue, payroll, claims history and the coverage you choose. A liability premium doesn’t include every policy you might carry, so tools, a van or a helper change the total. Exclusions, deductibles and payment terms matter alongside the monthly number.
Does my van policy cover the tools inside?
Not automatically. Commercial auto covers the van and the damage it causes on the road. Drills, saws and ladders usually need tools and equipment coverage, which follows your gear on site, in storage or in the van. Theft conditions vary, including for tools left in a vehicle overnight, so the wording matters.
Can a property manager be added as an additional insured?
Often, if the policy supports it. Property managers and landlords commonly ask to be named as additional insured on your general liability. Adding their name to a certificate alone doesn’t create coverage; the policy needs the right endorsement, and the maintenance contract spells out what they’re asking for.

Insurance words, in plain English: ghost policy

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA