Core coverages in this program
- •General Liability (premises & completed operations)
- •Tools & Equipment (Inland Marine)
- •Workers' Compensation
- •Commercial Auto
- •Business Owners Policy (BOP) for shop-based handymen
What handyman insurance covers
A handyman GL policy pays third-party claims for property damage (a saw slipping into a homeowner's floor), bodily injury (a customer tripping over a ladder), and completed-operations claims that surface after the job is done. Tools coverage — usually written as an inland marine floater — reimburses stolen or damaged tools from your truck or job site.
Who typically buys handyman insurance
Handyman insurance is right for operators who do multiple light trades under a single business license, including:
- •Solo handymen and small crews (<5 employees)
- •Ace Handyman Services & franchise operators
- •Property management maintenance techs
- •Airbnb / STR maintenance specialists
- •Home-warranty contract repair vendors
- •Assembly & installation services (furniture, TVs, fixtures)
Need a COI for a contract?
Send us the contract's insurance requirements and we'll tell you exactly what coverage satisfies them — existing clients get same-day certificates.
How much does handyman insurance cost?
A solo handyman with $1M/$2M general liability pays roughly $600–$1,100 per year. Adding $10,000 in tools coverage adds $150–$250. Adding workers' comp for a helper depends on payroll and state — typically $2–$6 per $100 of payroll for a handyman class code. Add a truck and expect $1,800–$3,500 for commercial auto.
The trades handyman policies usually exclude
Most handyman GL policies exclude — or need special wording for — roofing above two stories, structural framing, tree work, HVAC refrigerant work, gas line work, and electrical panel replacements. If you do any of these regularly you need a specific trade contractor policy, not a handyman policy. KTL will tell you before you bind if your work needs a different form.
Have Insurance Requirements From a Client?
Send us the insurance requirements from your contract, lease, vendor agreement, or licensing agency. A KTL commercial insurance specialist will review the requirements and help determine the coverage, limits, and endorsements you need.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.