Minnesota Handyman Insurance
Handyman Insurance. Minnesota contractor insurance quotes for a handyman or handyperson start with the definition. A handyman or handyperson is considered to do projects of short duration. A ½ day or full-day project, maybe just a couple of hours make a repair. A small painting job, replace door locks, things like that. Maybe we would consider you to be a remodeler or interior carpentry. Many companies will frown on this classification, but we have Minnesota insurance companies that love it! You need general liability insurance, to protect you from lawsuits and other legal liabilities, that can happen from an accident. A jack of all trades, this puts you at risk, perhaps even more than a trade-specific carpentry contractor. Talk to one of our Minnesota contractor insurance agents and get the right coverage for your handyman or handyperson business.
Handymen and handywomen though out Minnesota love & use our contractor insurance services: Minneapolis, St. Paul, Eagan, Bloomington, Mankato, Duluth, Coon Rapids, Rochester, Burnsville, Wayzata, Minnetonka, Rosemount, Apple Valley. Delivering low-cost (never cheap) handyman contractor’s insurance fast and on budget. Make us the first and your last call for Minnesota handyman insurance.
General Liability Insurance for Handy Man / Handy Person
Handyman Insurance is general liability insurance and is really the core policy Minnesota handymen and handywomen purchase. General liability is an essential policy for your business. What does handyman insurance /general liability insurance cover? General liability insurance covers bodily injury and property damage claims. Minnesota general liability insurance protects your, premises, product, operations, and completed operations.
Often companies will include a $1,000 property damage deductible. This should be taken into consideration when determining the proper insurance for your handy-person business. Common limits of liability coverage are $1,000,000/$2,000,000. The $1,000,000 represents the per occurrence limit or per claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented.
My General Contractor is Looking for Proof of Insurance
Many times a general contractor will be asking for a certificate of insurance so you can work and get paid. Fifty percent of the time they are just looking for general liability insurance. Sometimes they are also looking for additional insured status to be added or commercial auto insurance and workers compensation insurance too.
Business Owners Policy (BOP) Handyman Insurance/ Handyperson Insurance
Handyman and handy person classification don’t normally qualify for a BOP. A BOP takes a general liability insurance policy and bundles it with what many contractors need, like building coverage, business personal property. If you qualify, a BOP is preferred even if the property isn’t written as it includes business interruption insurance.
Contact Us for Quote – Handyman Insurance
Tell us about your Minnesota contracting business, we are listening. We will put together a rock solid customize plan right for you. Do yourself a favor and call 952-469-0425 or use the quick quote form on this page. Request your general liability insurance quote now, you will be happy you did!