You’re the person customers call to get things done. Get a broker you can call, too. We help compare insurance for your repairs, tools and next step in business.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
Your actual work considered
Coverage and price compared
One broker from quote to renewal
Markets we place through.
A damaged floor, missing tools or a new customer’s insurance request. Get help with the details behind your next job.
Customer property · General liability
An accident during a repair can cost more than the job itself. General liability may help with covered damage to a customer’s property.We help check the difference between resulting damage and redoing your work, including exclusions for property you’re working on.Your equipment · Tools coverage
Stolen drills and saws need their own coverage check. Insuring the van doesn’t automatically insure what’s inside.We help review tool values, storage and theft conditions so you know what protection you’re buying.The next customer · Proof of insurance
The property manager wants a certificate and additional insured status before you start.Send the requirements. We help compare them with your policy and explain what needs an endorsement, not just a new certificate.Your customers’ property, your tools, your driving and anyone you hire. Different parts of the business need different protection.
Your work
LiabilityHelp with covered injuries to others and damage to their property. Check the repair work and completed jobs the policy includes.
Your people
State rulesHiring help? Review employee injury coverage, owner options and the rules for people you pay as subcontractors.
Your vehicle
Between jobsThe supply run is part of the work. Check business driving, vehicle damage and use of vehicles your business doesn’t own.
Your tools
On the moveLook at protection for the gear you carry between jobs, including limits and conditions for theft from a vehicle.
We stay for the other half. Four things that happen when a broker is on the account.
Customer insurance requests compared with your policyAdditional insured terms explained before you commitCertificates issued from the policy as writtenOpen questions followed up with the carrierCustomer insurance requests compared with your policyAdditional insured terms explained before you commitCertificates issued from the policy as writtenOpen questions followed up with the carrierNew tasks reviewed before you take them onEmployee and subcontractor questions worked throughTools and vehicle changes sent to the carrierRequested changes confirmed before you rely on themHelp reporting the incident to your carrierPhotos, job notes and customer messages organizedSupport with questions about the next stepThe carrier decides coverage and claim paymentsThis year’s work and next year’s plans consideredAvailable coverage and prices comparedRestrictions and payment terms explainedStay or switch. You make the choiceTwo handyman businesses can take very different jobs. These details help make the quote useful.
Describe repairs, installations and maintenance separately. Height, roofing, structural work and licensed trades can change eligibility, not just price.
Working alone, hiring employees and using subcontractors raise different questions. Bring estimated revenue, payroll and subcontractor costs.
Homes, occupied rentals and commercial properties can mean different contracts and risks. Include every state where you take jobs.
Compare limits, deductibles and exclusions alongside the premium. A lower payment can reflect less protection or different payment terms.
Tell us about prior work, insurance and claims. Starting a new business is different from starting a new trade. Make that distinction clear.
Bring the work you actually do, including the occasional jobs. We’ll help check how the insurance treats it.
Occupied homes
Work around what matters to your customer.
Your work
What we check
Your answers come with you. We confirm what applies when you start.
Repeat customers
Keep the insurance questions off the next work order.
Your work
What we check
Your answers come with you. We confirm what applies when you start.
Before you say yes
One extra task can change the conversation.
Your work
What we check
Your answers come with you. We confirm what applies when you start.
Already insured? Send it once. We compare it with today’s options.
Check insurance, licensing and customer requirements where you work. They are three separate questions.
Change it if that is not where the work is.
Handyman insurance by state
The questions behind the quote request.
General liability is a common starting point for claims involving injuries to others or damage to their property. Tools, business driving and employee injuries need separate coverage checks. The right combination depends on your tasks, people, customer contracts and state rules. Tell your broker the full repair list, including occasional work, rather than relying on handyman as the only description.
Working alone does not remove the possibility of damaging a customer’s property or facing an injury claim. Your tools and business driving also remain worth reviewing. Workers’ comp treatment for an owner varies by state and business structure, and a customer may request coverage. Start with your work and contracts, not just your employee count.
Not automatically. Insurers can restrict particular tasks, and state or local rules may require a separate license. A policy does not give you permission to perform regulated work. Describe the exact work to your broker and check the licensing authority before accepting the job, even when the task looks small.
There is no single price for every repair business. Your tasks, location, revenue, payroll, claims and coverage choices affect the quote. A liability premium does not include every policy you might need. Ask for a comparison that shows exclusions, deductibles, full-term cost and payment terms as well as the monthly number.
Once coverage is confirmed, a certificate can show information from the policy. Send the property manager’s requirements first. Additional insured status and other requested terms must come from the policy or an endorsement, not wording added to the certificate. A certificate cannot create coverage the policy does not provide.
General liability is not the policy for your own stolen tools. Ask about tools and equipment coverage, including theft from a van, overnight storage, item limits and deductibles. Check the vehicle separately. Carrying tools in an insured van does not mean those tools are automatically insured.
Start online, then talk through your business with a licensed broker. Bring your task list, work locations, revenue, helpers and any customer insurance request. A current policy is useful if you already have one. We help compare available options and explain the differences. A submitted request is not bound coverage or an instant price.
Tell us about your work, or bring the policy you already have. One broker to help you see what comes next.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
