Handyman Insurance

Handyman Insurance Minnesota

If you’re looking for handyman insurance, the definition of a handyman is a great way to start. A handyman is a person or business doing projects of short duration. Let’s say a ½ day or full-day project, maybe just a couple of hours repair. It is common for a handyman to be called a handyperson or do-it-yourselfer.

A small painting job, replacing door locks, a door or window, a leaky faucet are all things you might do daily. Handyman liability insurance will help protect your small business.

Insurance for a handyman is not always easy to find. Sadly, many insurance companies won’t write you. The reason is you are not project-specific and are a generalist, and insurance companies think you a jack of all trades and master of none.

There is some good news! With our assistance, finding handyman liability insurance just got much more accessible. We have several companies that write handyman business insurance, plus the rates are fantastic!

Let us help keep your handyman insurance cost under control. Click Get My Quote or call us at 952-469-0425.

General Liability Insurance for Handyman

Self-employed handyman insurance is general liability insurance and is the core policy Minnesota small businesses should buy. Having general liability for a handyman is an essential policy for your business.

What does handyman business insurance cover? Handyman general liability insurance covers bodily injury and property damage claims. It offered protection for your premises, product, operations, and completed operations.

Common limits of liability coverage are $300,000/$600,000, $500,000/$1,000,000 & $1,000,000/$2,000,000. The $1,000,000 represents the per occurrence limit or claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented.

Often insurance companies will include a $500, $1,000 or $2,500 property damage deductible. Consider a property damage deductible when determining the proper insurance for your handyperson business.

Handymen and handywomen though out Minnesota love & use our contractor insurance services. Many are from these cities: Minneapolis, St. Paul, Eagan, Bloomington, Mankato, Duluth, Coon Rapids, Rochester, Burnsville, Wayzata, Minnetonka, Northfield, Brooklyn Park, Alexandria, Brainerd, Richfield, Rosemount, & Apple Valley.

We deliver low-cost (never cheap) contractor insurance fast and on budget. Make us the first and your last call for Minnesota liability insurance.

My Customer is Looking for Proof of Insurance

Many times a customer or general contractor will be asking for a certificate of insurance so you can work and get paid.  Most of the time, they are just looking for public liability insurance. Still, sometimes they are also looking for additional insured status or commercial auto insurance and workers compensation insurance.

A certificate of insurance is the standard way of giving proof of insurance.  It includes things like the insured’s name, address, insurance company, policy number, dates, coverage limits, the certificate holder (the party asking for proof), and is signed by the insurance agent or authorized representative.

Business Owners Policy (BOP) – Handyperson Insurance

A couple of companies are willing to write a handyperson on a BOP. A BOP takes a general liability insurance policy and bundles it with extra coverages that many contractors might need. If you qualify, a BOP is preferred as it includes business interruption insurance.

Contact Us for Quote

We don’t sell State Farm handyperson insurance or handyperson insurance Geico, who needs to? We sell Progressive handyman insurance and some of the cheapest handyman insurance in Minnesota.

Please tell us about your Minnesota small business; we are listening. We will put together a rock-solid customized plan right for you.

Please do yourself a favor and call 952-469-0425 or use our online form. Request your insurance quote now; you will be happy you did!

Frequently asked questions (FAQ)

Q- How much does handyman insurance cost?

Ans:- Insurance rates for a handyman in Minnesota generally run between $50-$80/mo. The cost is dependent on experience, if you have started working already, previous insurance, and claims history.    

Q- Does a handyman need insurance in Minnesota?

Ans:- Generally speaking, no, a handyperson does not need insurance. Most handypersons are not licensed, so the state has no requirement. As a business owner, though, we highly recommend it. Handyperson insurance helps protect small businesses from costly claims accidents happen.

Q- What type of work can a handyperson legally do?

Ans:- Handypersons can do a broad range of minor repairs that don’t require Minnesota licensing, and these projects of short duration should also not pose significant dangers. Some examples of handyman projects are lock changes, painting, tile work, drywall, fencing, minor electrical work, plumbing repairs, dryer vent cleaning, door repair, window repair, Garage door openers, sealing driveways, and much more. The list is quite extensive.