The Hartford doesn’t offer handyman insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
Why Might You Need Handyman Business Insurance?
Handyman insurance is a package of business insurance coverage options designed to help protect your business from common risks that could come up during repair and maintenance work. Rather than a single product, it’s a combination of different types of business insurance that work together to address the everyday challenges that handymen face on the job. Because no two businesses are alike, coverage needs can vary based on the kind of work you do, whether you work in homes or commercial buildings, the size of your jobs and how your business is set up.
From accidentally damaging a customer’s property to getting injured while using tools or moving equipment, the right coverage can help handle unexpected claims and give you peace of mind, so you can focus on your work. That’s why we help connect you with Tivly to get the coverage you’re looking for.
Who Might Need Handyman Insurance?
Since coverage needs often depend on the kind of work being done and how a business is run, business insurance for handymen may be relevant for a wide range of professionals, including:
- Independent handymen
- Self-employed contractors
- Small handyman companies
- Home repair professionals
- Property maintenance providers
- Multi-service handymen
What Type of Insurance Might I Need for a Handyman Business?
When it comes to protecting your handyman business, you’ll want protection that matches your potential risks. Many handymen start with a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three types of coverages to help protect you from everyday risks.
A business owner’s policy bundles key coverages many handyman businesses need into one convenient policy, including:
General liability insurance for handyman businesses can help protect your business from claims that you caused bodily injury or property damage to someone else while doing your work.
Commercial property insurance helps protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your handyman business. These can include:
- Hand tools and power tools
- Ladders
- Workbenches and shop equipment
- Generators and air compressors
- Repair materials
- Safety equipment and supplies
- Inventory
Business income insurance can help replace lost income if you can’t operate your business temporarily due to covered property damage caused by events such as fire, theft or wind.
Keep in mind that a BOP won’t cover every type of claim your handyman business may face. You’ll want to consider other types of coverage to create a well-rounded insurance plan, including:
How Much Does Handyman Business Insurance Cost?
Although The Hartford doesn’t offer handyman insurance, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- Business Owner’s Policy (BOP): $1,687 a year
- General Liability Insurance: $810 a year
- Workers’ Compensation Insurance: $1,032 a year
Keep in mind that the cost of insurance for your handyman company may be different than the average. Pricing is based on several factors, including your business size, location, coverage needs and claims history. The best way to find out how much you’ll pay for insurance is to get a free quote online from Tivly.
General Liability Insurance
“A client tripped over my tool bag while I was repairing a doorframe and needed medical care.”
General liability insurance helps pay for medical expenses if someone is injured while you’re working in a client’s home.
Professional Liability Insurance
“A homeowner said my repair didn’t fix the problem and claimed the mistake caused additional damage.”
Professional liability insurance, also called errors and omissions insurance, can help protect your business from claims that your services or work caused a financial loss.
Workers’ Compensation Insurance
“One of my employees was retiling a client’s bathroom when they injured their back while lifting a heavy box of materials. He needed medical treatment and time off to recover.”
Workers’ compensation insurance provides benefits to your team to help them recover from work-related injuries or illnesses. It can also help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My work van was involved in an accident while I was driving to a client’s home for a repair job. Thankfully, everyone was okay, but the van and the other vehicle had to be towed.”
Commercial auto insurance can help cover property damage and bodily injury claims if you or an employee gets into an accident while driving a business-owned vehicle for work.
Commercial Property Insurance
“A water line I replaced burst overnight, damaging my tools and the materials I stored in the garage.”
Commercial property insurance can help cover repair or replacement costs if your tools, equipment or business property are damaged by a covered event.
Business Income Insurance
“A fire damaged the space where I store my equipment, making it inaccessible. I had to pause jobs while repairs were made.”
Business income insurance can help replace lost income and cover ongoing expenses if you’re temporarily unable to operate due to a covered event, helping your business stay afloat during the downtime.
Handyman Insurance You Can Depend On
See your price and understand what coverage options make sense for your handyman business. Get a quote from Tivly today.
Last Updated: June 11, 2026
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed March 2026.
2 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023 to 2024,” viewed March 2026.
3 National Fire Protection Association, “Fire Loss in the United States,” viewed March 2026.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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