Top 10 Handyman Business Insurances in 2023

In today’s litigious society, having the right insurance coverage is essential for every business, and the handyman industry is no exception. From potential accidents at a client’s property to the potential loss of tools, various risks can result in significant financial losses. This article delves into the top 10 insurance companies that offer robust insurance packages tailored for handymen.

Top 10 Handyman Business Insurances in 2023

1. The Hartford

The Hartford stands out for its tailored business insurance packages. Recognized for its deep understanding of the unique requirements of different industries, The Hartford offers specialized policies ensuring that handymen are protected against industry-specific risks. Their coverage often includes general liability, workers’ compensation, and commercial auto insurance.

2. Next Insurance

A beacon for small businesses and independent contractors, Next Insurance provides streamlined, customizable policies. With an intuitive online platform, handymen can easily pick and choose the coverages they need. This company focuses on affordability without compromising on comprehensive protection.


Although synonymous with auto insurance, GEICO’s business arm offers potent general liability insurance. Their packages protect handymen from claims involving bodily injuries, property damages, and even medical expenses.

4. State Farm

State Farm has built its reputation on personal relationships and localized services. For handymen, this means having an insurance agent who understands local regulations and requirements. Their policies can be molded to fit a handyman business’s precise needs, from tool coverage to liability protection.

5. Nationwide

Catering to various trades, Nationwide provides business insurance policies built on years of industry experience. Their coverage extends from general liability to protection against business interruptions, ensuring that handymen can focus on their tasks without worrying about unforeseen events.

6. Allstate

A significant player in the insurance realm, Allstate boasts a comprehensive suite of business insurance products. Whether it’s property insurance or specific protection against job-related accidents, Allstate‚Äôs packages can be tailored to a handyman’s requirements.

7. Progressive Commercial

Primarily known for auto insurance, Progressive has expanded its offerings to cater to professionals like handymen. With options to protect commercial vehicles and cover liability risks, their business insurance segment is becoming increasingly popular among handymen.

8. Farmers Insurance

Farmers Insurance has curated business policies, keeping various industries in mind. Their handyman-centric policies ensure protection against property damages, accidents, and even professional liability.

9. Travelers

Offering a broad spectrum of business insurance solutions, Travelers brings to the table its vast industry experience. Their handyman insurance packages are comprehensive, with add-ons available to customize coverage further.

10. Hiscox

Specializing in professional services insurance, Hiscox understands the nuanced requirements of handymen. From claims of negligence to inadvertent omissions in work, their policies aim to cover a wide array of potential pitfalls.

Essential Coverages for Handymen

When choosing an insurance provider, handymen should be aware of key coverages:

  • General Liability Insurance: Essential for protection against injury or property damage claims.
  • Workers’ Compensation: A must-have if you have employees. This covers medical expenses and lost wages arising from work-related injuries.
  • Commercial Auto Insurance: Protects your business vehicle against damages from accidents.
  • Tools and Equipment Insurance: Secures your tools and equipment against potential theft or damage.
  • Professional Liability/Errors and Omissions Insurance: Protects against claims related to mistakes or negligence.

In conclusion, while there are numerous insurance providers in the market, selecting the one that aligns with a handyman’s specific needs and budget is crucial. Always consult with an insurance professional to ensure that you have the most comprehensive protection possible.

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