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Wondering about the cost of handyman liability insurance? You’ve come to the right place. Your handyman insurance cost will be based on a variety of factors, including how big your business is, how many employees you have (if any) and the exact type of work you do for your customers. Handyman insurance costs can be very different between businesses that might look the same, but let’s look at some specifics to give you a sense of the type of expense you might be looking at. Of course, your handyman liability insurance cost will vary, in particular based on the level of handyman insurance coverage you choose.
Remember that with Next Insurance, you can pay for your affordable handyman insurance monthly at no extra cost, and that we charge absolutely no extra fees–for proof of insurance, or anything else. We also offer you a choice of three levels of handyman insurance coverage, so you can choose the right insurance for your business. Finally, we keep our deductibles low-$0 on general liability claims, and only $500 on professional liability claims. When looking at handyman business insurance costs, it’s important to look at costs such as these, which help you see the full picture.
These are just examples of the costs some of our handyman customers pay for their insurance. To find out about your own handyman insurance costs and figure out which of our policies is right for you, get your free handyman insurance quote now, and buy your policy online in just a few minutes.
Handyman general liability insurance costs for our customers are usually between $361-$707 annually, or $30-$60 per month.
General liability insurance protects handymen who are working from certain types of costs. These include claims related to:
Given that you’re constantly working in different customers’ homes, general liability coverage is important for making sure your business is covered, no matter what happens. Handyman insurance costs that could be covered include legal costs, medical expenses, and more.
Handyman Professional Liability insurance starts at $2/month and relates to the work that you do as a handyman.
Professional Liability is included in the Pro and Pro Plus plans, which start at $30/month. It’s not available as a standalone policy and can only be purchased as part of a Pro or Pro Plus policy.
Let us explain. You don’t need to spend your time understanding the difference between various types of insurance. The question of what insurance a handyman needs and how much you need of each type isn’t one you have time to deal with; you have a business to run. To make your decision easier, we’ve combined general and professional liability insurance into a single, integrated handyman package that offers the coverage you need.
Professional liability insurance relates to the work that you do, specifically as a handyman. While general liability covers accidents including catastrophic accidents that could happen to anyone in any business, professional liability insurance covers you if you don’t do your job properly–if an appliance wasn’t installed right, a job wasn’t finished, or a sink you fixed breaks. It’s important for people who are considered experts in their field. Everyone makes mistakes, and handyman professional liability coverage makes sure a mistake doesn’t wind up costing your business money.
These claims are generally smaller than general liability claims, so our packages and pricing reflect that fact, with lower limits and coverage included within the larger policy. All of our policies also include products completed coverage, so even claims made after the work is done are included.
starting from $29 per month
$300,000 aggregate limit
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$1,000,000 aggregate limit
$25,000 aggregate limit
$2,000,000 aggregate limit
$50,000 aggregate limit