Handyman Insurance Built for Small Businesses 
What is the best insurance for a handyman?
Handyman Liability Insurance with the Coverage You Need
When you’re the one people call to fix what’s broken, you need insurance that won’t let you down. At Gild, we offer handyman insurance designed specifically for small businesses. Whether you’re patching drywall, installing fixtures, or taking on odd jobs, our policies help protect you from the unexpected. With options like handyman liability insurance and customizable handyman business insurance, you’ll get coverage that fits your work and your budget.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Insurance Solutions That Support Your Work and Growth
Every repair, installation, and customer visit comes with risk. That’s why Gild Insurance’s handyman liability insurance is built to protect your tools, your work, and your business. Our flexible, affordable policies help cover third-party injuries, property damage, and service-related claims. Whether you take on small home repairs or larger renovation projects, we offer expert-backed coverage that fits your business today and supports your growth tomorrow. With Gild, dependable protection is always part of the job.
What Does Handyman Insurance Cover?
Our handyman business insurance is tailored to the risks of hands-on work, including:
-
General Liability – Protection for third-party injuries and property damage.
-
Completed Operations – Coverage if a repair fails and causes damage after the job.
-
Product Liability – Protection if installed parts or materials malfunction.
-
Tools and Equipment Coverage – Optional protection for the gear you rely on daily.
How Much Does Handyman Insurance Cost?
Protecting your trade doesn’t have to be complicated or expensive. Your handyman insurance cost depends on the services provided, claims history, and location. Here’s a breakdown of typical policies and their estimated costs for independent contractors:
-
General Liability Insurance – $250 a year
-
Business Owners Policy – $350 a year
-
Tools and Equipment – $100 a year
- Workers Compensation – $500 a year
The best way to find your handyman insurance cost is to get a free, online quote in minutes!
Join the Gild Contractor Network
The Gild Contractor Network connects qualified professionals with homeowners and businesses looking for reliable, insured help. Joining the network is free and open to qualified contractors who want to grow their visibility, strengthen their credibility, and reach more potential clients. Whether you already have coverage or are exploring business insurance, Gild helps you connect with the right customers and showcase your professionalism.
Get The Right Handyman Insurance Today!
It only takes one claim to derail your business. Get the protection you need today with handyman insurance coverages through Gild. We make it fast, affordable, and personalized, so you can focus on fixing, building, and growing with confidence1.
1 https://www.ibisworld.com/united-states/industry/handyman-services/4069/
Frequently Asked Questions
The best insurance for a handyman is general liability insurance, which protects against:
- Third-party claims for bodily injury or property damage.
- Accidents caused by tools or performance errors on the job site.
- Advertising or personal injury claims, like libel or slander.
This coverage forms the foundation for other optional policies you may need—such as tools, auto, or workers' compensation.
How much does handyman insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
What risks or events does handyman insurance cover?
With the right policy combination, your handyman insurance can protect against:
- Customer injuries from slips or accidents caused by your work or tools (General Liability).
- Tool damage or loss, whether stolen from a truck or broken onsite (Equipment Coverage).
- Auto accidents while transporting equipment or driving between jobs (Commercial Auto).
- Employee injuries such as ladder falls or repetitive strain (Workers’ Compensation).
- Claims of poor workmanship or negligence, like installation flaws leading to damages (Professional Liability).
Good handyman insurance protects your gear, reputation, and financial stability—so small incidents don’t become big setbacks.
Is liability insurance required for a handyman by clients or venues?
It depends on your location and clientele:
- Legal requirements vary by state—insurance isn’t universally mandated but may be required for licensing or permits.
- Many clients or platforms require proof of coverage, particularly for larger jobs or working homes.
- State licensing boards or local municipalities in certain regions may impose minimum insurance thresholds.
Carrying liability insurance enhances credibility and often unlocks larger contract opportunities.
Let's Get The Right Insurance For Your Business!
Get Covered
