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Handyman Contractor Insurance

Save up to 40% on Handyman Contractor Insurance. PBIB will quote your insurance using several insurance companies to provide you with the best deal and the coverage that best suits your requirements. Every policy has adjustable payment options, such as yearly or monthly installments.

We typically recommend the following coverage for Handyman Contractor

Our aim at PBIB is to offer comprehensive coverage for your Handyman business to safeguard against potential losses. As insurance brokers, we have the freedom to select the best insurance program that matches your specific requirements. To ensure that your Handyman Contractor business is protected from losses, such as property damage, personal injury, employee injuries, and damage or loss to vehicles or tools & equipment, we suggest the following coverages, which include legal fees and indemnity:

  • General Liability
  • Workers Compensation
  • Commercial Auto
  • Professional Liability
  • Tools and Equipment
  • Property
  • Bonding


Save up to 40% on Handyman Contractor Insurance

PBIB will typically use multiple insurance companies to quote your insurance to give you the best deal and coverage for your needs. Every policy has adjustable payment options, such as yearly or monthly installments.



General Liability

Occurence Limit $1,000,000
Product Completed Ops $2,000,000
Each Occurence Limit $1,000,000

Worker’s Compensation

Limit $1,000,000

Commercial Auto

Limit $1,000,000

Tools & Equipment

Limit $10,000

Excess Liability

Limit $1,000,000


  1. The limits for Tools and Equipment should be based on the Contractor’s actual ownership, lease, or rental value of such equipment.
  2. If the risk of loss exceeds $1,000,000 or the contractual obligations require it, Excess Liability coverage should be considered.
  3. Professional Liability coverage may not be necessary for General Contractors who are not providing Design-Build, Construction Management, or consulting services.


We offer services to help you get the business insurance coverage you need.

General Liability for Handyman Contractor
As a Handyman Contractor, it is crucial to have General Liability insurance coverage to shield your business against third-party claims, including property damage or lawsuits resulting from your work. A minor mistake can have a lasting impact on your company. If a third party suffers bodily harm or property damage due to your business’s fault, it could result in a lawsuit that can severely harm or even destroy your business. Our General Liability insurance is designed to protect your employees, your company’s overall well-being, and safeguard your business assets as a top priority, shielding you from vulnerable situations and devastating lawsuits.

Your state or the county where you work may have legal requirements for your handyman contractor license, including general liability. We refer to this as “Insurance on your time” at PBIB. We offer full-service certificates Monday through Friday and 24/7 self-service certificates.

General Liability for Handyman Contractor can help you pay for:

  • Medical payments for 3rd party injuries
  • Property damage to 3rd party property
  • Legal fees and defense





Worker’s Compensation for Handyman Contractor
We offer the best insurance policies in the industry to ensure you and your workers are protected in case of injury or illness. Our Workers’ Compensation policy covers employee medical expenses and provides lost income assistance to aid their recovery. In addition, it also provides protection in the event of a lawsuit. With our policy, you and your workers are guaranteed complete protection.

Even if you have no employees, we have a policy to suit your needs and meet the coverage requirements of your customers.

In some states or counties, Workers’ Compensation is mandatory for your Handyman Contractor license. At PBIB, we offer full-service certificates during weekdays and 24/7 self-service certificates, which we call “Insurance on your time”.

Workers’ Compensation for Handyman Contractor can help you pay for:

  • Medical expenses of your injured employees
  • Disability & Retraining of your employee.
  • Lost wages
  • Survivor benefit
  • Employer liability



Commercial Auto for Handyman Contractors

At Handyman Contractors, your company vehicles are essential for getting you, your materials, and tools to the jobsite. Without them, running your business would be impossible. At PBIB, we understand the value of your wheeled workforce and offer the insurance coverage you need to protect your trucks from damage or theft, so you can get back to work quickly.

Commercial auto insurance is not only important for Handyman Contractors, but also a requirement for many projects. That’s why we offer full-service insurance certificates on weekdays and 24/7 self-service certificates, giving you the flexibility to manage your insurance coverage on your own schedule. With PBIB, you can have peace of mind knowing that you have “Insurance on your time”.

Commercial Auto for Handyman Contractor can help you pay for:

  • Hired & Non-Owned Auto, Legal defense from employees driving their own vehicles.
  • Medical expenses from injuries
  • Collision repairs to your and 3rd party vehicles
  • Legal fees & Defense
  • Rental vehicle reimbursement


Tools & Equipment for Handyman Contractor

Handyman Contractor insurance offers protection for your valuable movable property with specialized tools and equipment coverage. This type of insurance, also known as inland marine insurance, safeguards your hard-earned assets against common risks such as theft and damage. Whether your equipment is at the job site, in storage, or in transit, this coverage ensures that it remains secure and protected.

Tools & Equipment for Handyman Contractor can help you pay for damaged or stolen:

  • Tools & Equipment owned or rented by you.
  • Employee tools and equipment (Optional)
  • Borrowed equipment (Optional)
  • Cost of renting interim equipment (Optional)


Professional Liability for Handyman Contractor

Professional liability, also known as errors and omissions insurance, is a type of insurance coverage that protects professionals, including handyman contractors, from claims made by clients alleging negligence or errors in their work.

As a handyman contractor, you are responsible for ensuring that the work you do meets the expectations of your clients and is completed according to industry standards. However, mistakes can happen, and if a client believes that your work resulted in damage to their property or financial loss, they may pursue legal action against you.

Professional Liability Insurance can help your business with:

  • Protection against Legal risk
  • Coverage for claims and financial risk related to errors and omissions in their work.


License Bonds for Handyman Contractor

In order to obtain or keep your contractor license, most states mandate a license bond. The purpose of the license bond is to ensure that you do not violate any state laws or abscond with a customer’s deposit.

The cost of a license bond can be as low as $70, but it varies based on factors such as personal credit, license history, and contractor classification.

We offer a variety of bonds, including performance and payment bonds, and you can easily obtain an instant quote and bind online in just a few minutes. Simply input your state and the type of bond you need, or choose from a pre-existing list.