handyman insurance quote
Handyman Insurance Quote
Are you a small business owner in the handyman industry seeking affordable insurance coverage? Blake Insurance Group offers a quick and easy way to get a free, no-obligation business insurance quote online. Our streamlined form allows you to compare commercial insurance coverage options from multiple top-rated providers simultaneously, ensuring you find the best protection for your handyman business at competitive rates.
Why Compare Handyman Insurance Quotes?
Comparing insurance quotes is crucial for handymen to find the most suitable coverage at the best price. By using Blake Insurance Group’s comparison service, you can:
- Discover tailored coverage options for the unique risks in the handyman industry
- Potentially reduce costs with competitive rates
- Customize policies to match your specific business needs
- Choose from several reputable insurance providers
Small Business Insurance Calculator
What Does Handyman Insurance Cover?
- General Liability Insurance: Protects against third-party claims for bodily injury, property damage, and legal expenses.
- Tools and Equipment Insurance: Covers damage or theft of your valuable tools and equipment.
- Workers’ Compensation Insurance: Required if you have employees; covers medical expenses and lost wages due to work-related injuries.
- Commercial Auto Insurance: Covers vehicles used for business purposes.
- Professional Liability Insurance: Protects against claims of negligence, errors, or omissions in your work.
Why Do Handymen Need Insurance?
As a handyman, you’re exposed to risks every day—whether it’s accidental property damage, customer injuries, or stolen tools. Having the right insurance safeguards your business, finances, and reputation, giving you peace of mind while you focus on your work.
Get Your Free Handyman Insurance Quote Today!
Don’t waste time juggling multiple applications. Fill out our quick online form now to compare quotes from top insurers, find the best coverage for your business, and enjoy peace of mind knowing you’re protected.
Top Commercial Insurance Companies for Handymen
Here are five top-rated companies offering coverage for handyman businesses:
The Hartford: Known for its comprehensive Business Owner’s Policy (BOP), The Hartford offers specialized coverage for handymen, including protection for tools and equipment. They provide flexible options to tailor coverage to your specific needs and offer excellent customer support.
Hiscox: Specializing in small business insurance, Hiscox offers policies designed specifically for handymen. They provide instant online quotes and the ability to purchase coverage immediately. Hiscox is known for its straightforward policy language and customizable coverage options.
Next Insurance: This company offers tailored insurance packages for handymen, with the ability to get covered in just 10 minutes. They provide instant certificates of insurance and allow you to add additional insureds at no extra cost. Next Insurance is known for its user-friendly digital platform and competitive pricing.
Thimble: Offering flexible, on-demand insurance for handymen, Thimble allows you to get coverage by the job, month, or year. Their policies are designed to be easily understood and can be managed entirely through their mobile app. Thimble is ideal for handymen who need coverage for short-term projects or have varying work schedules.
Progressive Commercial: While best known for auto insurance, Progressive also offers robust commercial coverage for handymen. They provide customizable policies and often offer competitive rates, especially when bundling multiple types of coverage. Progressive is known for its wide range of coverage options and 24/7 customer support.
Why Choose Blake Insurance Group?
- Fast & Hassle-Free Quotes: Fill out our simple online form in just minutes.
- Compare Multiple Providers: Get quotes from leading insurance companies without reaching out to each one individually.
- No-Obligation Service: Requesting a quote is free, without pressure to commit.
- Tailored Coverage: We understand handymen’s unique risks and help you find coverage that fits your business needs.
Handyman Insurance FAQ
What types of insurance do handymen typically need?
Handymen typically need the following types of insurance:
- General Liability Insurance
- Tools and Equipment Insurance
- Commercial Auto Insurance
- Workers' Compensation Insurance (if employing others)
- Professional Liability Insurance (for some specialized services)
How much does handyman insurance typically cost?
The cost of handyman insurance varies based on factors such as business size, location, and coverage limits. On average:
- General Liability Insurance: $40 - $83 per month
- Annual premiums: $480 - $1,000 per year for typical general liability coverage
What does general liability insurance cover for handymen?
General liability insurance for handymen typically covers:
- Third-party bodily injury
- Property damage to client's property
- Personal and advertising injury claims
- Legal defense costs if sued
Is handyman insurance required by law?
In most cases, handyman insurance is not legally required unless you're a licensed contractor or trying to become one. However, it's strongly recommended for protection and credibility. Some states may require insurance for specific types of work or if you earn over a certain amount annually.
What factors affect the cost of handyman insurance?
Several factors can influence your insurance premiums, including:
- Annual revenue
- Number of employees
- Types of services offered
- Years of experience
- Claims history
- Coverage limits and deductibles chosen
- Business location
Do I need insurance if I'm a self-employed handyman?
While not always legally required, having insurance as a self-employed handyman is highly recommended. It protects you from potential financial losses due to accidents, injuries, or property damage that may occur during your work.
What should I look for in a handyman liability insurance policy?
When selecting a handyman liability insurance policy, ensure it:
- Covers the specific types of work you do
- Has adequate coverage limits for your business size
- Doesn't have exclusions that could impact your work
- Includes coverage for subcontractors if you use them
Can I get temporary or project-based handyman insurance?
Yes, some insurance providers offer flexible policies that allow you to get coverage for specific projects or time periods, which can be useful for part-time or occasional handyman work.
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent