Business Insurance for Independent Trade Contractors and Handyman Services In Minutes
Independent contractors have more to protect than the work itself. Your tools, equipment, vehicles, employees, and business operations all play a role in your insurance needs. Get the coverage you need to meet client requirements while protecting your business, tools, equipment, vehicles, and the work you do in customers' homes and properties.
Fewer Questions. Faster Coverage.
01
Fast.
Tell us about your business by completing a quick form and we’ll start shopping carriers for you.
02
Scalable.
Whether you are a solo handyman or running a crew across multiple job sites, we match your coverage to where your business actually is, and revisit it as you grow.
03
Clear.
Real quotes ready in minutes. Easily pick the coverage that actually fits your business needs.
How Pricing and Coverage Get Decided
Independent contractor and handyman insurance is not one size fits all. Carriers price and structure your policy based on a handful of factors:
- What trades and services you perform and whether the work carries higher risk, like electrical, roofing, or structural work
- Your annual revenue and number of active jobs
- Whether you own tools, equipment, or vehicles used on the job
- Whether you have employees or subcontractors, or run the business solo
Most clients, property managers, and general contractors require proof of insurance before you can start a job, and many state trade licenses require specific coverage or bonding. Requirements vary by trade and location, so we will confirm what you need before you buy anything.
Insurance Coverage Built for Independent Trade Contractors and Handyman Services
A complete independent contractor coverage program can include:
- General Liability
Covers third party injury, property damage, and claims tied to work performed at a client site. - Tools, Equipment, and Inland Marine
Covers tools and equipment you own or rent, whether on the job site, in transit, or in storage. - Commercial Auto
Covers vehicles used to haul tools, materials, or crew between job sites. - Workers Compensation, Umbrella, and Business Interruption
Extra protection for employees or subcontractors on the job, larger liability claims, and lost income if a job or crew is sidelined.
Frequently Asked Questions
Most clients, property managers, and general contractors require it before you can start a job. Many trade licenses require it as well.
Cost depends on your trade, revenue, tools and equipment, vehicles, and whether you have employees or subcontractors.
Not necessarily. Most policies can be structured to cover a range of trade work and job types under one plan.
Even one job can require proof of coverage before you start. And a single injury or property damage claim early on can cost you the business. Many independent contractors and handyman pros get covered before they need it rather than losing a job over it.