Finding the right insurance for a handyman company starts with understanding the specific risks your business faces and choosing coverage that protects you from them. Handymen often work in clients’ homes or on commercial properties, which means even a small mistake or accident can lead to property damage claims, injuries, or costly legal disputes. The best handyman insurance policies typically include general liability coverage. Many businesses also benefit from tools and equipment coverage, workers’ compensation for employees, and commercial auto insurance for traveling between job sites.
| Company | Best for | Average cost |
|---|---|---|
| ERGO | Next Insurance | Self-employed handymen who want simple online coverage and fast certificates of insurance | Varies; get a customized quote |
| biBERK | Handymen looking for affordable direct insurance from a highly rated national provider | Average rate not stated; all quotes are customized |
| Thimble | Handymen who want flexible short-term or on-demand insurance for individual jobs | Average cost $16.77 hourly, $126.88 daily, $91.94 weekly, or $99.51 monthly |
| Hiscox | Independent handymen who want customizable small business insurance policies | Ranges between $50 and $80 per month |
| Simply Business | Handymen who want to compare quotes from multiple insurers in one place | General liability from $41.67 per month |
| Tivly | Handymen who prefer working with an agent to find specialized contractor coverage | Varies; get a customized quote |
When comparing insurance for a handyman company, it helps to look beyond price alone. The best policies balance affordable premiums with strong coverage limits, reliable claims support, and the ability to quickly generate certificates of insurance when clients request proof of coverage.
Many of the best handyman insurance companies also make it easy to get quotes online, adjust coverage as your business grows, and bundle multiple policies for broader protection. When I evaluated handyman insurance providers, I focused on the things that matter most to small contractors, including coverage options, cost, ease of getting a quote, and how quickly a handyman can get proof of insurance for a job.
Using those criteria, I compared several providers to identify the best handyman insurance companies for different types of handyman businesses.
Why you can trust Fit Small Business
At Fit Small Business, we are committed to providing reliable answers to your insurance questions through careful research and real-world experience. Drawing on more than a decade of experience in the insurance industry, including working with small businesses, I evaluate each provider using the knowledge and insight I have gained throughout my career.
Through years of working directly with customers, I have learned which coverage features truly matter for small business owners and which factors often have less impact in practice. I use that experience to assess each provider, focusing on the elements that make the biggest difference when choosing insurance for a small business.
My methodology
To build this list of the best handyman insurance companies, I reviewed insurers and insurance platforms that offer coverage for independent handymen and small repair businesses. My goal was to identify practical options that balance cost, relevant coverage, and convenient access to proof of insurance.
Each provider was evaluated using consistent criteria that reflect how small business owners compare insurance options, including the following categories:
Pricing & value: I compared available pricing information, payment options, and discounts, while considering how coverage limits and business details affect premiums.
Core features: I reviewed coverage relevant to handyman businesses, including general liability, tools and equipment protection, workers’ compensation, and commercial auto insurance. I also considered customization options and coverage restrictions.
Ease of use: I assessed the quote and purchase process, online policy management, and how easily customers can obtain certificates of insurance.
Flexibility & customization: I considered available policy periods, optional coverages, and the ability to adjust protection as a business grows or takes on different types of work.
Customer support: I reviewed access to licensed insurance professionals, available service channels, and how customers receive help with policy questions and claims.
Financial strength & reputation: I considered insurers’ financial strength using AM Best ratings where available. For brokers and marketplaces, I distinguished their role from that of the insurance companies underwriting the policies.
- Best insurance for handyman companies compared
- ERGO – Next Insurance: Best specialization for construction businesses
- Next Insurance
- biBerk: Best for handymen looking for affordable direct insurance from a highly rated national provider
- Thimble: Best for self-employed handymen who want simple online coverage & fast COI
- Hiscox: Best for independent handymen who want customizable small business insurance policies
- Simply Business: Best for handymen who want to compare quotes from multiple insurers in one place
- Tivly: Best for handymen who prefer working with an agent to find specialized contractor coverage
- Types of insurance for a handyman company
- How much does handyman insurance cost?
- How to choose insurance for a handyman company
- Bottom line
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Best insurance for handyman companies compared
Policy purchase process | Instant certificate of insurance (COI) | Financial rating | My expert score | |
| Online or over the phone | ✓ | A+ (Superior) | 4.76 out of 5 | |
| Online or over the phone | ✓ | A++ (Superior) | 4.62 out of 5 | |
| Online, phone, or through the app | ✓ | Insurance producer; not rated by AM Best. | 4.41 out of 5 | |
| Online or over the phone | ✓ | A (Excellent) | 4.34 out of 5 | |
| Online or over the phone | ✓ | Broker style platform; not rated by AM Best | 4.11 out of 5 | |
| Insurance carrier match-up and transfer to the carrier via phone | ❌ | Marketplace platform; not rated by AM Best | 3.96 out of 5 | |
ERGO – Next Insurance: Best specialization for construction businesses
| Standout features |
|
| Financial rating | The AM Best Financial rating for Ergo | Next is A+ (Superior). |
My expert opinion
ERGO | Next Insurance stands out as one of the best handyman insurance companies for self-employed contractors and small handyman businesses that want fast, straightforward coverage. Its fully digital platform makes it easy to get a quote, purchase a policy, and generate certificates of insurance without dealing with paperwork or long approval processes. That convenience is especially valuable for handymen who often need proof of insurance quickly to start a job or work with property managers.
In my evaluation, ERGO scored highly because it balances affordability with coverage options tailored to small trades. For many contractors looking for insurance for a handyman company, the ability to manage policies online, adjust coverage as the business grows, and add protections like tools and equipment coverage can make a big difference. Overall, I found it to be one of the most practical options for independent handymen who want reliable coverage with minimal hassle.
Coverage options
- General liability
- Workers’ compensation
- Business owner’s policy
- Professional liability (E&O)
- Commercial property
- Tools & equipment
- Employment practices
Customer satisfaction & convenience
ERGO | Next Insurance is designed to make insurance simple and convenient for small contractors. Handymen can get a quote, purchase coverage, manage their policy, and generate certificates of insurance entirely online, often within minutes. The platform also allows users to update coverage, make payments, and file claims through a digital dashboard or mobile app, reducing paperwork and saving time.
For many small contractors looking for insurance for a handyman company, this streamlined experience is a major advantage and one reason ERGO | Next Insurance is often considered one of the best handyman insurance companies for independent handymen who prefer a fast, online process.
biBerk: Best for handymen looking for affordable direct insurance from a highly rated national provider
| Standout features |
|
| Financial rating | The AM Best Financial rating for biBerk, part of Berkshire Hathaway, is A++ (Superior). |
My expert opinion
biBERK stands out as one of the best insurance options for handyman companies that want reliable coverage from an established insurer with strong financial backing. As part of Berkshire Hathaway Insurance Group, biBERK combines the stability of a large national carrier with a streamlined online purchasing process. This can be especially appealing for small contractors who want dependable protection without working through multiple brokers.
In my evaluation, biBERK scored well for its straightforward coverage options and direct-to-consumer model, which can help reduce costs for small businesses. For contractors looking for insurance for a handyman company, the ability to manage policies online, access certificates of insurance, and purchase multiple types of coverage from one provider makes biBERK a practical choice. Overall, I found it to be a strong option for handyman businesses that value financial stability, competitive pricing, and a simple online insurance experience.
Coverage options
- Workers’ compensation
- General liability
- Business owner’s policy
- Commercial auto
- Umbrella policy
- Cyber insurance
- Tools & equipment coverage
Customer satisfaction & convenience
biBERK focuses on making the insurance experience simple for small business owners by offering a largely digital, self-service platform. Customers can purchase policies online, manage their coverage through a policyholder portal, update business information, and download important documents without needing to contact an agent.
The company also allows policyholders to generate certificates of insurance online, which can be shared with clients as proof of coverage.
Thimble: Best for self-employed handymen who want simple online coverage & fast COI
| Standout features |
|
| Financial rating | Thimble is an insurance producer and is not rated by AM Best. Policies are underwritten by third-party insurers |
My expert opinion
Thimble stands out as one of the best handyman insurance companies for contractors seeking flexible coverage that adapts to different job schedules. Unlike many traditional insurers that require long-term policies, Thimble allows handymen to purchase coverage for shorter periods, which can be useful for contractors who work project to project or take on occasional jobs. This flexibility makes it easier for small businesses and independent professionals to maintain coverage without committing to a full annual policy.
In my evaluation, Thimble scored well because it offers a fast online quote process and allows policyholders to manage their coverage digitally. For business owners searching for insurance for a handyman company, the ability to purchase policies online and quickly generate certificates of insurance can make it easier to meet client requirements before starting a job. Overall, I found Thimble to be a strong option for handymen who want convenient, on-demand insurance coverage.
Coverage options
- General liability insurance
- Professional liability (E&O)
- Business owner’s policy
- Commercial property insurance
- Workers’ compensation insurance
- Cyber insurance
- Business equipment insurance
- Commercial auto insurance
- Event insurance
Customer satisfaction & convenience
Thimble stands out as one of the best handyman insurance companies for contractors who need flexible coverage that can adapt to different types of jobs. Unlike many traditional insurers, Thimble allows handymen to purchase policies for short periods of time, including hourly, daily, or monthly coverage. This can be especially helpful for independent contractors or part-time professionals who may only need insurance for specific projects or occasional work.
In my evaluation, Thimble scored high because of its simple digital platform and flexible policy options. For business owners looking for insurance for a handyman company, the ability to get a quote quickly, purchase coverage online, and generate certificates of insurance immediately can make it much easier to meet client requirements before starting a job. Overall, I found Thimble to be a strong option for handymen who want convenient, on-demand insurance without committing to a long-term policy.
Hiscox: Best for independent handymen who want customizable small business insurance policies
| Standout features |
|
| Financial rating | The AM Best Financial rating for Hiscox is A (Excellent) |
My expert opinion
Hiscox stands out as one of the best handyman insurance companies for independent contractors who want coverage designed specifically for small businesses. The company offers insurance tailored to the risks handymen face while working in customers’ homes or on repair projects, helping protect against financial losses related to accidents, property damage, or legal claims.
In my evaluation, Hiscox scored well because it focuses heavily on serving small business owners and provides insurance options that can be customized based on the size and needs of the business. For professionals looking for insurance for a handyman company, the ability to request quotes online and build coverage around specific risks makes Hiscox a practical option. Overall, I found it to be a strong choice for handymen who want flexible coverage backed by an insurer that has been protecting businesses for more than a century.
Coverage options
- General liability insurance
- Professional liability (E&O)
- Business owner’s policy
- Cybersecurity insurance
- Workers’ compensation
- Short-term liability insurance
- Commercial auto
Customer satisfaction & convenience
Hiscox offers a streamlined experience for small business owners, allowing handymen to request quotes, purchase policies, and access documents through an online account. Policyholders can also manage billing and file claims through the company’s customer service platform. For businesses seeking insurance for a handyman company, these digital tools make it easier to obtain and manage coverage, helping position Hiscox among the best handyman insurance companies for independent contractors.
Simply Business: Best for handymen who want to compare quotes from multiple insurers in one place
| Standout features |
|
| Financial rating | Broker style platform; not rated by AM Best |
My expert opinion
Simply Business stands out as one of the best handyman insurance companies for contractors who want to compare coverage options from multiple insurers before choosing a policy. Instead of issuing policies directly, the platform connects small business owners with several insurance providers, making it easier to review different coverage options and pricing in one place. This comparison approach can be especially helpful for handymen who want to explore several policies before committing to coverage.
In my evaluation, Simply Business scored well because it simplifies the process of finding insurance for a handyman company. The online quote tool allows business owners to enter their information once and review multiple insurance options within minutes. Overall, I found Simply Business to be a practical option for handymen who want a straightforward way to compare policies and choose coverage that fits their business needs.
Coverage options
- General liability insurance
- Professional liability insurance (E&O)
- Workers’ comp insurance
- Sole proprietor workers’ comp
- Inland marine insurance
- Business owner’s policy
- Business personal property
Customer satisfaction & convenience
Simply Business offers a convenient online platform where business owners can compare quotes, purchase policies, and manage their coverage in one place. Customers can also access policy documents, update payment information, and download certificates of insurance through their online account, making it easier to manage insurance for a handyman company.
Tivly: Best for handymen who prefer working with an agent to find specialized contractor coverage
| Standout features |
|
| Financial rating | Marketplace platform; not rated by AM Best |
My expert opinion
Tivly stands out as one of the best handyman insurance companies for contractors who want help connecting with an insurance provider that fits their business. Rather than issuing policies itself, Tivly connects business owners with insurance providers that may offer coverage for their specific business needs. This approach can save time for handymen who want to explore several options without contacting multiple insurers on their own.
In my evaluation, Tivly scored well because it simplifies the process of finding insurance for a handyman company. The platform’s quick intake form and matching process help connect business owners with insurance providers that work with their industry. Overall, I found Tivly to be a useful option for handymen who want guidance when comparing insurance options and choosing coverage for their business.
Coverage options
- General liability
- Commercial auto
- Workers’ compensation
- Property insurance
- Professional liability (E&O)
- Business owners policy
- Cyber liability
- Umbrella and excess liability
- Inland marine
Customer satisfaction & convenience
Tivly focuses on simplifying the process of finding business insurance by connecting users with insurers that fit their needs. Business owners can complete a short online form to start the quote process and may be matched with an insurance provider that offers coverage for their industry.
The platform also provides resources to help small business owners understand insurance options and requirements. For contractors seeking insurance for a handyman company, Tivly’s matching service can make it easier to connect with an insurance provider suited to their business.
Types of insurance for a handyman company
When shopping for insurance for a handyman business, it’s important to understand the types of coverage that can help protect your business from financial risk. The exact policies you need will depend on the type of work you perform, the size of your business, and whether you have employees. Many of the best handyman insurance companies offer multiple policy options that can be bundled together for broader protection.
General liability insurance
General liability insurance covers claims of third-party bodily injury or property damage caused by your business, subject to policy terms and exclusions. This distinguishes it from coverage for employee injuries and damage to your own equipment
Tools and equipment coverage
Handymen rely heavily on their tools to complete jobs. This coverage can help pay to repair or replace tools that are stolen or damaged.
Workers’ compensation insurance
If you have employees, workers’ compensation may be required by state law. It helps cover medical expenses and lost wages if an employee is injured while working.
Commercial auto insurance
If you use a vehicle to travel to job sites or transport tools and materials, commercial auto insurance can help cover accidents involving business vehicles.
Business owner’s policy (BOP)
A business owner’s policy combines general liability coverage with property insurance in one package. Many handyman businesses choose this option because it can provide broader protection at a lower cost than purchasing separate policies. Tools taken to job sites or transported between locations may need separate tools and equipment coverage.
How much does handyman insurance cost?
TThe cost of insurance for a handyman company can vary depending on several factors, including the services you provide, where your business operates, and the amount of coverage you choose. In general, many small handyman businesses pay between $50 and $80 per month for general liability insurance, though prices can increase if you add additional coverage.
Several factors can influence the final premium, including:
- The type of services you perform
- The size of your business and the number of employees
- Your business location
- Coverage limits and deductibles
- Your claims history
Because pricing can vary widely, many contractors compare quotes from several providers to find the best value. The best handyman insurance companies often provide online quote tools that make it easier to review coverage options and estimate costs before purchasing a policy.
How to choose insurance for a handyman company
Choosing the right policy requires more than just comparing prices. When evaluating insurance for a handyman company, it helps to consider the types of work you perform and the risks your business may face.
First, review the coverage options offered by each provider. Many of the best handyman insurance companies offer policies specifically designed for contractors and small service businesses. These policies can help protect against common risks such as property damage, injuries, or lawsuits. Confirm that the policy covers every service you perform, especially specialized work such as plumbing, electrical repairs, or roofing, which may require a different policy classification.
Next, compare quotes from several providers to understand how pricing and coverage differ. Some companies offer quick online quotes, while others connect you with an agent who can help customize a policy for your business.
Finally, consider how easy it is to manage your policy after purchase. Many insurers now offer online accounts that allow you to access policy documents, download certificates of insurance, and file claims, which can make managing coverage much easier for busy contractors.
Frequently asked questions (FAQs)
What insurance does a handyman need?
Most handymen start with general liability insurance, which helps cover claims of third-party bodily injury or property damage caused by their business. Depending on the work performed, additional protection may include tools and equipment coverage, workers’ compensation, and commercial auto insurance.
How much does insurance for a handyman company cost?
Costs vary based on your services, location, coverage limits, and number of employees. For example, Hiscox estimates that a sole proprietor handyman business may pay around $50 to $80 per month for general liability insurance. Additional policies can increase your total insurance costs.
Do handymen need insurance to work legally?
Insurance requirements vary by state, locality, the work performed, and whether you have employees. Check with your state licensing authority and local government to confirm applicable requirements. Clients, property managers, and contractors may also require proof of insurance before work begins.
How do I choose the best handyman insurance companies?
To find the best handyman insurance companies, it helps to compare providers based on coverage options, pricing, financial stability, and how easy it is to get a quote or manage a policy. Some contractors prefer insurers that offer quick online quotes, while others may prefer working with an agent who can help customize coverage.
Bottom line
Finding the right coverage is an important step in protecting your business from unexpected risks. The best handyman insurance companies offer policies designed for small contractors, along with flexible coverage options and tools that make it easy to get proof of insurance when clients request it. Whether you prefer a fully digital insurer, a traditional carrier, or a platform that lets you compare multiple quotes, there are several strong options available.
When choosing insurance for a handyman company, it helps to compare coverage options, pricing, and how easy it is to manage your policy. Taking time to review several providers can help you find coverage that protects your business while fitting your budget and the type of work you perform.
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