- What is it?
Handyman insurance provides customizable coverage for basic home maintenance and repair professionals. Policies normally bundle several coverages together, so they can protect against multiple risks.
- Who’s it for?
For individuals doing this type of work, the importance of insurance shouldn’t be overlooked. Forgoing insurance in order to save a little on premiums can have extremely expensive consequences if something happens, and it takes just one devastating incident.
- What is offered?
- Business Property Coverage
- Commercial Vehicle Coverage
- Inland Marine Coverage
Handyman Insurance in California
What is handyman insurance?
Doing basic home maintenance and repairs for hire can be good work, but it’s work that has some risks. Handyman insurance may help protect handymen and handywomen in California from a range of property and liability risks that they’re exposed to.
Handyman insurance provides customizable coverage for basic home maintenance and repair professionals. Policies normally bundle several coverages together, so they can protect against multiple risks.
What California professionals is self-employed handyman insurance for?
Self-employed handyman insurance is generally for individuals and businesses offering basic home maintenance and repair services in California. Coverage might include limited work for businesses too.
For individuals doing this type of work, the importance of insurance shouldn’t be overlooked. Forgoing insurance in order to save a little on premiums can have extremely expensive consequences if something happens, and it takes just one devastating incident. The cost of premiums usually pales in comparison to the cost of even a moderate claim.
Get A Quote!
Does self-employed handyman insurance cover HVAC or electrical work?
Self-employed handyman insurance is generally intended for professionals who perform basic home maintenance and repair services. This insurance normally doesn’t cover more advanced work that comes with additional risks, such as HVAC or electrical work.
Professionals working in HVAC, electrical or similar trades usually should get an insurance policy that’s more specific to the work they do.
What insurance protections are included in self-employed handyman policies?
Self-employed handyman policies typically offer a range of customizable coverages. These may include:
- Business Property Coverage: Normally covers tools and supplies kept at a primary facility, and may also include coverage for the facility’s building if owned by the handyman business.
- Commercial Vehicle Coverage: Normally covers a commercially registered vehicle, often a pickup truck or work van, owned by the handyman business.
- Inland Marine Coverage: Normally covers tools and supplies while they’re being driven to and from customers’ homes or businesses.
- Crime or Theft Coverage: Normally covers tools, supplies and business-owned vehicles specifically in the case of theft.
- General Liability Coverage: Normally covers common accidents that cause harm to another party, and for which a handyman is alleged to be responsible.
- Commercial Umbrella Coverage: Normally provides an additional layer of liability protection in case of an expensive lawsuit.
- Business Interruption Coverage: Normally covers extended periods of no or lower revenues due to a covered disaster or incident.
Most self-employed professionals doing this type of work don’t have a commercial building they need to insure, as many simply keep their tools at home. Coverage for a commercial building is usually available as part of business property coverage if it’s needed, though.
An insurance agent who knows self-employed handyman insurance well can help make sure all necessary coverages are in place.
Are handymen and handywomen working as employees covered by their employer?
Handymen and handywomen who are legitimate employees of a business typically are covered by the business’s insurance, assuming that the business has insurance. It’s sometimes a good idea to confirm that insurance is in place.
Any insurance that’s provided by an employer is typically limited to only when work is being done for the employer, however. Handymen who pick up side jobs on their own normally don’t have coverage through an employer for the side work. Getting a small self-employed handyman policy might be wise in this case.
When handymen are hired as subcontractors, they’re much less likely to receive coverage from the hiring business’s insurance policy. Getting a handyman policy is broadly recommended for those who regularly take on subcontracting jobs.
How much are the premiums for self-employed handyman policies?
Self-employed handyman policies are mostly quite affordable, but premiums can vary. An independent insurance agent can check exactly how much different insurers will charge for coverage.
Where can handymen and handywomen in California get handyman insurance?
For help finding handyman insurance in California, contact the independent insurance agents at Truck Writer Insurance Services. Our agents will help make sure you’re well-protected when working.
What People Say About Truck Writers Insurance Services
Ron is the man. I used Ron to get my limousine insurance with CPUC for the past 3 years. It’s always a great experience and easy to get my policies and payments done without going to their office. This is the man to beat if you’re looking for cost-effective and reliable commercial insurance!
