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 that undertakes short-duration projects. Let’s say a ½ day or full-day project, maybe just a couple of hours of repair. It is common for a handyman to be referred to as a handyperson or a do-it-yourselfer.

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

Obtaining insurance for a handyman can be a challenging task. 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 costs under control. Click Get My Quote or call us at 952-222-8073.

General Liability Insurance for a Handyman

Self-employed handyman insurance is a general liability insurance policy, and it is a core coverage that Minnesota small businesses should consider purchasing. Having general liability insurance for a handyman is an essential policy for your business.

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

Typical limits of liability coverage are $300,000/$600,000, $500,000/$1,000,000, and $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 include a deductible of $500, $1,000, or $2,500 for property damage. Consider a property damage deductible when determining the proper insurance and cost for your handy person business.

Handymen and handywomen throughout 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. Please make us your first and last call for Minnesota liability insurance.

My Customer is Looking for Proof of Insurance

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

A certificate of insurance is the standard way of giving proof of insurance.  It includes details such as the insured’s name, address, insurance company, policy number, dates, coverage limits, and the certificate holder (the party requesting proof). The insurance agent or an authorized representative signs it.

Business Owners Policy (BOP) – Handyperson Insurance

A couple of companies are willing to write a handy person on a BOP. A BOP combines a general liability insurance policy with additional coverages that many contractors may need. If you qualify, a BOP is preferred as it includes business interruption insurance.

Contact Us for a Quote

We don’t sell State Farm handyman insurance or handyman insurance from Geico; who needs to? We offer handyman insurance from multiple carriers and some of the cheapest handyman insurance companies in Minnesota.

Please tell us about your Minnesota small business; we are listening. We will create a customized plan tailored to your specific needs.

Please do yourself a favor and call 952-222-8073 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?

Answer: Insurance rates for a handyman in Minnesota generally run between $50 and $80 per month. The cost is dependent on your experience, including whether you have already started working, your previous insurance, and your 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 that may result from accidents.

Q: What type of work can a handy person legally do?

Ans: Handypersons can perform a broad range of minor repairs that don’t require Minnesota licensing, and these short-duration projects 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.