Handyman general liability insurance
win the job that
asks for liability.
Customer injuries, damaged property and finished jobs, in plain English.
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the short answer
Handyman general liability can pay for covered claims when your work injures someone else or damages their property, including certain accidents after the job is done. It isn’t a warranty for redoing a repair, and it doesn’t cover your own injuries, tools or van.
tap a job.
Four moments on a repair, and how general liability looks at each one.
What the policy does
a damaged floor.
The door is fixed, but your ladder scratches the floor. General liability may respond to covered damage to the customer’s property.
Who asks: The customer, whose floor it is.
What the policy does
a trip over the tool bag.
A customer or visitor is hurt around your work, even when the repair goes to plan. General liability may respond to a covered injury claim.
Who asks: The injured person. A helper you employ goes to workers’ comp instead.
What the policy does
the shelf comes down.
An install fails after you’ve left and been paid. Completed work coverage may respond to damage it causes, depending on policy dates and exclusions.
Who asks: The customer, whose furniture it landed on.
What the policy does
redoing the repair.
Fixing your own faulty work isn’t covered just because it’s faulty. Exclusions for your work and the property you’re working on often apply.
Who asks: The customer, for the redo. That usually comes out of your pocket, not the policy.
what it does, and doesn’t.
Handyman general liability, one line at a time.
- What it pays for
Covered bodily injury to others, damage to their property, and certain personal and advertising injury claims. It may also pay to defend a covered suit.
- What it leaves out
Your own injuries, your tools, your vehicle and the cost of redoing faulty work. Roofing, structural, height, electrical or plumbing work can be restricted.
- Who asks for it
Property managers and maintenance contracts, often with additional insured wording, which has to come from the policy or an endorsement, not the certificate.
- What moves the price
The tasks on your list, who does the work, where you work, the limits and deductibles you choose, and your experience and claims.
Sources: Texas Department of Insurance guidance on general liability and certificates of insurance. Last reviewed September 2026.
what trips handymen up.
List the odd jobs too.
Describe occasional work, like work at height or a bit of plumbing. Insurers can restrict tasks, and insurance doesn’t replace a license the work needs.
A certificate isn’t cover.
A certificate reports what the policy says. Listing a property manager as certificate holder doesn’t make them an additional insured.
good to know.
Straight answers on handyman general liability.
What does handyman general liability insurance cover?
Does liability insurance cover mistakes in my repair work?
Can a property manager be an additional insured?
Sources: Texas Department of Insurance guidance on general liability and certificates of insurance. Last reviewed September 2026.
Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · per-project aggregate · completed operations
more for handymen.
Go back up, or see the rest of a handyman’s coverage.
see what your
program is missing.
Most have gaps. Find yours with a policy review.
get startedor call 802-GOT-RIZA