Handyman Insurance
Comprehensive handyman insurance that protects your business against property damage and guest injuries, giving you the peace of mind to focus on your craft while knowing your work is secured.
We understand the unique risks handymen face, delivering protection built around your craft.
With over 25 years protecting skilled trade professionals, our expert advisors bring extensive knowledge of contractor risks and liability exposures to every handyman business relationship. We work collaboratively to create insurance solutions that safeguard against property damage, workplace injuries, and equipment losses while staying ahead of evolving safety regulations and industry standards. Our dedication to ongoing support ensures your handyman business maintains comprehensive protection as your services and client base expand.
Our licensed insurance professionals specialize in liability coverage for handyman services, from independent contractors to multi-trade maintenance companies. Through continuous monitoring of building codes, safety regulations, and trade-specific requirements, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against property damage, workmanship disputes, and tool theft incidents.
We go beyond standard insurance coverage to provide comprehensive protection tailored to your handyman business needs. Our policies cover everything from tools and equipment damage to professional liability, and from worksite accidents to property protection, ensuring every aspect of your handyman operations remains fully secured.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Property damage protectioncovers accidental damage to clients' homes, including broken fixtures, water damage, and structural issues during repairs.
• Bodily injury coveragesafeguards against client injuries resulting from tools, equipment, or work-related hazards during project completion.
• Personal injury protectionaddresses claims involving reputation damage, privacy violations, and copyright infringement during marketing or business operations.
• Products liability coverageprotects against damages caused by installed products, completed repairs, or materials used in construction projects.
• Equipment theft protectioncovers losses from stolen tools, including power equipment, hand tools, and specialized instruments from job sites.
• Damage compensation coverageprotects against accidental tool damage, breakage during normal use, and equipment malfunction during projects.
• Mobile tool protectionensures coverage during transportation, including damage during loading, transit accidents, and off-site storage.
• Rental equipment coverageprovides protection for borrowed or leased tools, including damages, loss, and liability during temporary use.
• Vehicle collision coverageprotects work vehicles during accidents, including repairs, replacements, and damages to other vehicles involved.
• Tool transit protectioncovers equipment and materials during transportation, including secure storage, loading accidents, and transit damage.
• Medical expense coverageprovides protection for injuries sustained in work-related vehicle accidents, including driver and passenger care.
• Third-party liability protectioncovers damages to others' property, bodily injury claims, and legal expenses from vehicle-related incidents.
• Workplace injury protectioncovers medical expenses, rehabilitation costs, and lost wages for employees injured during job-related activities.
• Occupational illness coverageprovides benefits for health conditions developed from work exposure, including respiratory issues and repetitive injuries.
• Death benefit protectionensures family support through funeral expenses, ongoing income replacement, and dependent care following work-related fatalities.
• Legal defense coverageprotects against employee lawsuits, including negligence claims, workplace safety violations, and compensation disputes.
On average, Handyman Insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
More experienced handymen typically receive lower premiums due to demonstrated safety records and established work practices in residential repairs.
Contractors performing high-risk services like roofing or electrical work face higher premiums compared to those handling basic maintenance tasks.
Higher-value specialized equipment, such as professional power tools or lifting machinery, requires greater coverage and increases premium costs.
Handymen working in commercial properties or multiple locations face higher premiums than those exclusively serving single-family residential homes.
Regular employment of subcontractors increases liability exposure and premium costs compared to handymen working solely as individual contractors.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Standard handyman insurance typically covers accidental damage to client property, bodily injury claims, and completed operations incidents. Coverage extends to common tasks like repairs, installations, and maintenance work performed at client locations. However, intentional damage, pre-existing conditions, and work outside your declared expertise may be excluded. Regular documentation of work scope, maintaining detailed client agreements, and following industry safety standards are essential for maintaining valid coverage and minimizing claim disputes.
Basic handyman insurance usually includes coverage for common tools, but specialized or high-value equipment may require additional endorsements or inland marine coverage. Policy limits and deductibles vary based on equipment value and usage frequency. Consider factors like equipment mobility, storage location, and replacement costs when selecting coverage. Maintaining detailed equipment inventories, implementing security measures, and regularly updating coverage limits helps ensure adequate protection for your valuable tools.
General liability coverage typically extends to employees working directly under your supervision, but workers' compensation insurance becomes mandatory in most states. Each helper must be properly classified and documented with your insurer. Part-time and temporary workers may affect premium rates differently than full-time staff. Implementing thorough hiring practices, maintaining accurate employee records, and conducting regular safety training helps manage insurance costs and compliance requirements.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
