Home repairs, rental turnovers or regular maintenance. From working alone to hiring your first helper, get insurance reviewed for the work you do and the business you want to grow. One broker, from quote to renewal.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
Compare coverage and price before you choose
Review new tasks, helpers and tools before the next job
North Carolina requirements. One broker to help.
Markets we place through.
Protect the work, the people and everything it takes to get the job done. We’ll help you choose what fits.
Your work
LiabilityHelp protect your business when your work injures someone else or damages their property. Check protection for claims that arise after the job is finished.
Your people
State rulesHelp your employees get medical care and wage benefits after a covered work injury. We help you check state rules and customer requirements.
Your vehicles
On the roadProtect the driving behind the work. Review liability, vehicle damage and the use of hired or employee-owned vehicles separately.
Your equipment
On the jobHelp protect the equipment you depend on. Check how your drills, saws and ladders are covered at the shop, in transit and on the job.
For your next North Carolina job and the changes after it, you have someone to call.
North Carolina licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobNorth Carolina licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobReview new tasks, helpers and tools before the next jobTell us when you add a new kind of workWe coordinate requested changes with the carrierYour coverage reviewed as the business changesHelp reporting what happened to the carrierYour photos and job details organizedSomeone to call about the next stepFollow-up support while the carrier reviews the claimYour current policy and business changes reviewed togetherAvailable options compared on coverage and priceDifferences explained before you decideStay or switch. The choice is yoursYour license, customer contract and insurance each do a different job. We help you check how they fit together.
Already insured? Send it once. We compare it with today’s options.
What North Carolina handyman businesses ask before choosing coverage.
The $40,000 figure concerns general contractor licensing, not a safe-harbor amount for insurance. A customer or permitting authority can require coverage, and workers’ comp law applies separately. Accidents on small jobs can still create claims. Review your repair work, people and customer agreement rather than using project value as the only test.
North Carolina generally requires a general contractor license for projects valued at $40,000 or more. A smaller repair is not automatically exempt from permits or separate electrical, plumbing or HVAC licensing. Check the whole project and its actual tasks before agreeing to the work.
The NC general contractor licensing board does not require insurance for the license itself. Individual projects and permits can still require it. That distinction does not remove employee-coverage obligations or the need to protect your business against claims.
North Carolina generally requires workers’ comp at three or more employees, with exceptions and special counting rules. Corporate officers can count toward that threshold. Using uninsured subcontractors can create additional obligations; do not decide from headcount or a 1099 form alone.
There is no single price for every North Carolina contractor. Your work, payroll or revenue, vehicles, claims history and coverage choices affect the quote. Two businesses in the same state can need different protection and pay different amounts. Riza helps compare available options, including limits, exclusions, deductibles and payment terms, so the monthly price is not the only thing you see. Tell us about your business or bring your current policy to start the conversation.
Yes. Bring your current policy and tell us what has changed in the business, whether that is more people, different jobs, new vehicles or a customer asking for higher limits. We help compare available options on coverage and price and explain the differences. You can decide whether to stay or switch. If you change policies, confirm the new coverage is effective before cancelling the old one so you do not create an unintended gap.
Tell us about your North Carolina business, or bring your current policy. We’ll help you see your options.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET